As I wrote here http://www.wmstalk.com/showthread.php?10670-Best-way-to-promote-an-e-commerce-business&p=14886#post14886 - We are lunching an e-commerce business very soon and we have already arranged every possible payment method that our clients may prefer from PayPal to GoogleCheckout even e-gold However, I am facing some problem with MOTO Orders, we still couldn't figure out that what we would do with MOTO orders as we do not have a merchant account with virtual terminal to process payments. I have applied for Authorize.net but they seems too complicated, asking for soo many documents even after I provided them legal registration of the company, corporate bank account of company and my social security number. Do you guys have any idea is there any other virtual terminal provider around who don't ask too much question?