If you're handy with HTML, the most professional way to go is to register a web-site, get a merchant's account & do all your charges through a large commercial cc processor. I use QuickCommerce. Keep in mind that the merchan't account can be paid off monthly & once it's all paid for, it can be sold like any other commodity. A paid for merchan't account is valuable property. The main advantages of a regular cc processing site are safety, extreme flexibility, immediate & precise means to do account reviews & the ability to easily & exactly do refunds, if necessary. I use QuickCommerce but also offer PayPal & Billpoint. I offer the latter two only because some customers prefer to stick with something they already know. But QC is without doubt the cheapest way for me & the funds are quickly deposited into my account. PayPal holds funds for several days (despite what they say!) because that's how they make money, using your liquid assets. My online charge feature is linked to my FileMaker Pro database of customers. If you have just a few items you're offering, it should be even easier than my business, because I have thousands of different (sometimes unique) items for which I must create a unique HTML link (though it takes me just a few seconds, because I've automated most of the process).