credit cards are still the best way to go online even with the egghead scandel thingy it's really nothing for card members to be worried about. when using credit cards your protected from fraud, for one most credit cards will not bill you if you order something and the address your sending it to is not your current address on file. merchants need to verify that info first before the charge goes through. second if they do use your credit cart number you must have a matching exp date and if they have that info then it goes straight to the fraud department to get corrected more than likely the charge will be wrote off. needless to say with fraud charges that amount will stay as part of the balance because banks need a place to store that amount until the case is resolved which can take from 30-90 days but no intrest will accumulate on that charge. pretty much your more safe with credit than you are with any other form of payment i would say if you start up a store hire a company like ibill i do belive they only charge something like 6% of that balance which is alot cheaper than getting a merchant credit licance