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You could also look into getting an account with ProPay. It's only about $35 a year, plus a small percent of each sale. ProPay: Accept Credit Cards - Simple, Safe, & Affordable

As long as your site has SSL encryption and the shopping cart allows manual credit card processing.

Then you just have to enter the credit card info into ProPay & the funds get transferred to your account.

Paypal also has something similar called "Paypal Virtual Terminal". It's definitely something to look into.
 
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