Online Payment Resources
If the hefty costs of a merchant account scare you, there are some other alternatives. Third party processors will allow you to accept credit cards on your site without a merchant account. They charge you a fee on each transaction that is significantly higher than you would pay with a traditional source but without the set up and monthly charges.
Third party providers
Accepting checks online
Another alternative is to accept checks for your website sales. This method
of payment offers your customers the choice of faxing their order as well
as ordering online.