Hey all this is my first post here and love the site. I'm in the process of setting up an internet business and one of my draw backs as a web site designer is that I don't know how to set up a page for processing payments. So I guess my first question is is there anyone else out there other then pay pal with out getting a merchants account?? I've tried pay pal on the payment side and they've double billed me before. Second how do I set up a secured shopping cart on my web site? Third how do I make it all come together?? I can't afford much as far as a programmer but would love to learn from someone??