I would have to agree with Fox and suggest you look into Pay-pal or Kagi (turn-key credit card processing accounts) before making a decision, Wolf. The sad reality is that, without credit card processing, you will indeed lose a lot of sales. I also would like to mention that, with cd-rom sales, the added waiting time and shipping costs will discourage a lot of customers, especially those who live in countries other than the U.S. Best of luck to you on your new enterprise!