I've had a deal with two friends in a row now that run their own sites - they've already paid the visa/mc fees, so they don't mind creating 'sub accounts' that function very similarly to an independent account, but for other people. The first has gone out of business, and the second's given me the go ahead to send a few of you that way. I know there's a lot of independent lesser-earning girls around here that can't justify giving CCBill $1000/year PLUS 15% + 9% rolling reserve for processing, so this is likely to be a good situation for you. In return for processing, he just keeps 9%, the same amount as the rolling reserve. If you're in need of this and will stick with it (because its kind of a pain in his ass to set up), you're welcome to contact me and I'll send you his way.