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Online credit card payments are handled through integration with PayPal - a wholly owned subsidiary of trusted e-commerce leader, eBay. They offer great credit card rates - currently around 2.9% plus 30 cents/transaction. Open your own PayPal account (which is free and takes 15 minutes). Specify it in Club-Webs payment settings. Your Club-Webs system will now transparently handle all online payments via your own PayPal account.