Can someone suggest a good 3rd party CC solution that is in real time and doesnt restrict me to only receiving payouts bi-weekly. An instant(are within a few moments anyway) transaction.

Did you talk to you bank? Most banks have adopted a storefront / settlement option that, for a (sometimes) reasonable monthly fee, will give you instant post / card verification, and a resonable backend site / API for you to conduct settlement/reporting.

Personally, I use Bank of America. The have a great API with lots of options and an extensive backend including batch settlement and all of the goodies you could expect from a big name. Plus, having their banner on my signup page tends to give potential customers a "warm and fuzzy" that is hard to find with "Ted's Secure Ecommerce Transactions LLC". Funds deposit into the account immediately.

There are literally dozens of choices out there but the two main ones that people around here use are Revcom and 2checkout

Net: it shud be revecom. :)

How do you know it shouldn't be 2checkout.com? They are both suited to different peoples needs.

I like the bank idea, but i never knew they did that. How would i go about doing something like that? I have a Wachovia account(should be walkoverya!).