I'm currently looking for an alternative to PayPal. I have a small shop for one of my businesses (as do several of my web development clients) and was drawn to PayPal because they offer an option that is free of monthly fees while charging 0.30 plus 2.9%, which I can live with. You will need a
Business account, which is also free, you just need to input some additional information into the PayPal system.
Why I'm looking? The PayPal Website Payments Standard comes with some unexpected and undesirable side effects. Eventhough you have said you want to accept credit cards from people without a PayPal account, if the same person, using the same credit card meets one of 2 criteria, they are FORCED to open a PayPal account:
- the total charge is over $4,000.00 (which is probably unlikely for small businesses)

- it is the second (or possibly third) time using this credit card to make a payment via PayPal

Thought that other would want to know about this restriction, especially if you expect return customers.
Their only other option is to upgrade the account to a PayPal Pro account, but this comes with a $30 per month fee. Currently my sales are far too low to afford this.

A few years back I was able to create my own page (non-Joomla site) which used PayPal for processing of the credit card, but had no mention of PayPal being the processor. I really liked this and expected this as an option with Joomla also. I know so many people who refuse to have their credit card processed with PayPal. I also have had problems paying via PayPal with my credit card because after asking PayPal to reverse charges on something I purchased via eBay where the eBay seller shipped something other than what I ordered, and then had to force reverse charges thru my credit card company, PayPal now refuses this card number for any transaction.
Can someone recommend a method of receiving payments via credit card that has no monthly fee and is NOT paypal??? One of my web clients has a client in South Africa who we've been trying to get a payment from for 2-3 weeks now.
Please help!