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King
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sadly most replies have missed the original question (how can you do business if you don’t listen properly to the customer’s problem!!) – that is alternatives to bank merchant services.

It does not matter about eway or secure pay, you still need a bank merchant account to use them.

Talk of eftpos terminals and online authorisations are also off the question.

So from my recent research for alternatives to banks, look at Moneybookers.com (based in UK) Hit them for a better that published rate. They do the CC processing and deposit into your account