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Hi Terry,
You might want to check out PayPal. I ended up using them instead of authorize.net, etc.
At first I thought a PayPal account was required for the buyer, which is not the case. Also, there is no startup fees, no monthly fees, and their regular per ticket fees are not bad and less than some others.
Looks like a lot of 'big guys' on the web are now using PayPal as well.
Mel Cummings
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