For non-U.S. merchants, you may have to go with a 3rd Party Processor.
If you do, just keep in mind the "trouble spots" on these systems so that you can go into it with your eyes open and work around it. If you plan ahead of time, you can get setup and running and avoid some of the common pitfalls.
For a U.S.-based merchant, well - usually a merchant account is your best bet. For the value that you get, the control that you get, the faster funding and lower rates - it is well worth it in most cases.
U.S.-based merchants can also accept PayPal and if you are just testing the waters or do only a very occasional transaction online, PayPal can be a good option.
Most Web hosts are best served with a true merchant account if they can get one, especially if they intend on continuing to grow their business.
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