You might want to also check out this thread about PayPal
I`m trying to develop a new system of multiple payment methods for small businesses ...
but really you should be able to just enter your info without a PayPal account.
Some people don`t trust PayPal though, which is why it`s good to offer more.
NIKOLE, Since I know you`re into colfdusion the development kit Book gives you an example of how to construct a multiple payment gateway, see the only thing you have to do is keep it in a session or cookie.
Web Developer / Owner / Consultant
When starting your own business the need to "know-how" is greater than money!