[Travis]

In my startup (http://industrialinterface.com), we started by manually creating invoices in Paypal and emailing them out. That got lukewarm response.

I'm the lead dev, so I buckled down and figured out the merchant stuff. There can be 1-2 weeks worth of delays in getting your merchant account, but our admin guy said it was pretty straightforward. Took me about a day or 2 to figure out the response codes and to program the cc processing.

In short, take the jump and just process your own CCs (assuming that you have the legal structure in place so that you can get a merchant account. If not, use the Paypal API). Took about 2 days of learning and coding to figure out cc processing (and the Authorize.net interface ain't the greatest).

Fees are all about the same, so unless your margins are under a percent, don't worry about the fees. And if your margins are that low, rethink your business model ;)

[ujjwalg]

we are a startup and we are going with paypal for now. We will move on to authorize.net after a couple of months and then to merchant account.