Thats a valid point.  real time cc processing isn't cheap, and generally is the wrong 
answer for a small business with an unproven web business model.  Most of my clients 
don't use it, instead doing exactly what Paris mentions.  Once they can't keep up with 
all of the orders, then its time to spring the bucks for cc processing.

This has little bearing on the coding (and billing ;D) you'll have to do, as the cc 
gateway itself is a very small part of a much bigger job.

I've had some different experience with the part about the bank not caring.  The BofA 
story in the previous message being the worst example, but not the only one.  Some 
regard an online merchant as an new income opportunity, as BofA did with my client.  
I've never had a small business client have a problem with keeping quiet about their 
web site and telling the bank that its a phone order; sidestepping the issue.  

---------------------------------------
Matt Robertson    [EMAIL PROTECTED]
MSB Designs, Inc., www.mysecretbase.com
---------------------------------------

Paris Lundis wrote,

I often workout systems that collect the data and allow the merchants to
manually key the data into their POS terminals... It works well for most
traditional businesses.

the clearer doesn't care typically where the data originates from.. as long
as you provide the right authentication method and account information... 
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