Thanks for responding to the Mal's question, Robin. So to have propay automatically do the credit card thing, it's way expensive. However, to get around that we can have Mal's collect cc info and then I would enter it manually (via phone) through propay. (I am assuming that manually means through the phone, if I am wrong, please let me know.) Unfortunately, according to the link below it says that you can't do the phone processing unless you have the premium account. http://www.propay.com/cgi/appProcess1.exe/tier_detail Regarding the Mal's premium pkg, it costs another $8.00/mo, quarterly in advance: "...Premium is an upgrade which adds features which are designed primarily for busy merchants, for example: automated card processing batch download of orders, direct access to UPS and USPS rates calculators plus a little bit more influence over the look of the cart. You can switch the status of your account between free and Premium any time you wish and without making any changes to your website." I wish someone would chime in about their experience with DIY, here's the link to their features: http://www.diyestores.com/info.htm Thanks for all the help...