If I recall correctly, Authorize.net is a Credit Card Payment Gateway service and they do not actually collect money on your behalf. You will need a merchant account with your bank and then use Authorize.net Virtual terminal to link up with your bank to collect payment from credit cards, all money goes directly into your merchant bank account. See http://www.authorize.net/resources/howitworksdiagram/ I would believe you need US account and a US bank to use with Authorize.net . By the way, which country are you from ? Maybe you can check with your bank as to which gateway to use and how to set up a merchant account.