After doing some research into online payment gateways and searching high and low for the best merchant account, I thought i would give paypal "Website payments standard" a quick go, after a bit of customizing i still havent really used it as yet, its designed for online only payments but my question is "What is stopping me filling out a website payments standard application for one of my customers over the phone?". Admitably you dont have the ability to change prices ect ect, but the question is why pay for a merchant account when the same thing could be accomplished for free? just a thought, tell me what you think..