When you’re first getting an eCommerce site or web store up and running, one of the main things you need to deal with is credit card processing. If you already run a brick-and-mortar store that has a merchant account, chances are you can simply talk to your bank about adding online processing. If not, however, you need to start from scratch; and the merchant account application process can be difficult and time-consuming. Fortunately, there are some credit card processing alternatives out there. These payment gateways offer you the ability to accept payments without a merchant account.