[NickJ]

NickaT, Great pionts and I see you are really thinking about this. But, you have to remember I am not going to use a processor such as ccbill. I leared more about this stuff from my research. What I found was that the fact that people get rebilled and the charg back rates are so high this is why they have to charge like 19 percent per transaction. Once again it is this Membership method making the problem.. So if you dump the membership method, and get your own merchant account you will be paying as little as 1.5 % with 15 cents per transaction. This changes everything. And expect charge backs to be very small so you won't have many problems. But, you are going to have to have some cash in the bank to throw around so that the bank will give you your merchant account. Once they find out that you are not selling SUBSCRIPTIONS they are very willing to work with you.