ettera, You can use PayPal to handle recurring billing with credit cards. The point I tried to make is related to the checkout experience. Traditionally PayPal has required a person to have an account with PayPal to checkout. If you were checking out with PayPal for the first time you had to go through the hassle of setting up a PayPal account. Just recently PayPal began allowing customers to checkout with PayPal without requiring them to have a PayPal account. The twist to this is that it is only for regular purchases, not recurring purchases. If you do not have any products that are recurring, you can use the "paypal" plug-in. You will also have to make one configuration setting on your PayPal account. Then your customers can checkout with PayPal with out having a PayPal account. If you have any recurring products you will have to use the "paypal_r" plug-in. When you use this plugging, all customers will have to have a PayPal account to checkout. You can read an entire thread about this issue here: http://www.amember.com/forum/showthread.php?t=2611 If you want to learn a lot about payment processing I would recommend you spend some time in the "Payment Processing" forum. Remember to change the setting at the bottom of the page to look at more than the last month's worth of postings. Good Luck!