Howdy peeps,
For those of you that already have a business and take credit cards at your business, why pay PayPal to process credit cards when you can do it and save a nice bit?

One of the problems peeps have with calling in a credit card number, is security, so a secure web form is the way to go:
http://www.ammonet-secure.com/toad.htm
Click on the button on that page to see my secure credit card form.
The way it works is the informaton goes into a secure database and I get an email notifying me that a transaction has occurred and I login to get the information, then run it manually on my credit card machine at my business and the funds are deposited directly into my checking account. If you have a business and don't take credit cards but are considering it, the one I went with charges 1.69% for cards in hand and 2.1% for manual transactions (MOTO), which is well below what PayPal charges. So if you do a nice bit of business on Ebay, you can save money by taking credit cards directly.

Plus, credit cards provide the holder with fraud protection, better than PayPal, so I advertise that on my listings, to give my buyers peace of mind when dealing with me.
If anyone is interested in who to contact for the secure web form and/or who to contact for a credit card account for your business, PM me and I will send it to you in a PM. Just let me know what info you want.
PayPal recently made my life a total nightmare, so I figured out how to take them out of the equation. Now, they can never do that to me again!

If you are also fed up with Pay-MeMore-Pal, then this may be an option for you too.
Ribbit
Ps: The secure web form costs $104 yearly and there is a one-time setup fee of $35, to design a form to fit your needs. They host the secure forms/database and do everything, so there is no need to have a seperate website for hosting nor the costs associated with a seperate website. So those costs should be factored in to determine if this is a feasible method for you.