Hello Hidden-Tech, After ten years of freelance work, I've encountered my first client who must pay with a credit card. Ironically, I've set up several payment gateways for my own clients who wanted to accept online credit card payments, but I've never encountered a situation where I needed to process a credit card payment myself. My bank representative said "welcome to the real world". The problem is that the work will amount to just a few thousand dollars over a period of less than a year, and the system is geared toward businesses with consistent volume over extended periods of time. Fees and penalties associated with setting up a merchant account and processing terminal would consume over a third of the money I expect to make. Does anyone out there have any advice? Thanks, Graham Graham Ridley Clarity Data Services graham at claritydataservices.com