Paypal have busted me for using a "buy it now" button as a method of taking credit cards face-to-face. I got a warning from them. They suggested I got a virtual terminal to do this, but that costs £20 a month plus their incredibly greedy fees. Does anyone know of another provider that offers a virtual terminal facility? (A chip and pin machine would be better but they want £14 a month too and insist on paying into a business account so it is as broad as long.) What I want is the same deal as the Paypal virtual terminal with a provider who charges less. Someone like Nochex would be ideal but they don't offer this service. Any ideas people?