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Do I really need a merchant account to earn from my website?

My problem is this, got a friend who owns a website and he makes lots of money from it, I know I can do the same, but he says i need a payment processor to earn. Now I learn that before I earn, I have to pay these processors. Isn't there a way around this?

Public Comments

1. No, it is part of the cost of doing business. Have you looked into Paypal or Google checkout?

2. I feel for you, believe me. Adultmerchantpay might be worth a shot, I've seen other sites and they sound alike in their offers and promises, this one kinda sounds different, worth a shot.