Credit Cart Processing without a Merchant Account

Paypal
With over 100 million accounts and growing, Paypal is one of the world's most popular online payment systems. One of the best features of Paypal is the fact that its members can accept credit card payments from non-members, which makes it the perfect shopping cart payment method. Most shopping cart software comes with Paypal support, meaning you can integrate it into your store quickly and easily. In terms of fees, Paypal is extremely competitive for those looking for an ecommerce solution on a budget.

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2Checkout.com
2Checkout offers instant credit card processing services accounts for online merchants on a small budget. 2Checkout offers a simple pricing system:
- $49 one time signup fee
- $0.45 per sale plus 5.5% of sale Amount
- No monthly fees
Region(s) supported: International

Google Checkout
Google Checkout has been created to compete with Paypal. As an initial promotion, there are no transaction fees until December 31 2007. From 2008 onwards, transactions will be charged at 2% + $0.20 per transaction. Also, for every $1 you spend on AdWords each month, you can process $10 in sales the following month through Google Checkout for free.

Paymate
Paymate provides an easy way to accept online credit card payments without a merchant account. Start selling online in three minutes! Australian sellers can accept credit card payments in a range of currencies. You still get paid in Australian Dollars, so you avoid currency conversion hassles while getting a competitive exchange rate.
Region(s) supported: Australia

Paypal
With over 100 million accounts and growing, Paypal is one of the world's most popular online payment systems. PayPal lets you send money to anyone with email. PayPal is free for consumers and works seamlessly with your existing credit card and checking account.
Region(s) supported: 190 countries and regions