I've thought about an online store at points in time, and there are several options of ways you can have someone else basically host the store for you so that they are the ones who deal with credit cards so you don't have to create a Merchant Account but you also get less profits that way.
The first time I heard the word High Risk Merchant Accounts I thought it meant related to my credit, and I was a bit offended. When I learned more about it, I discovered it was the actual mail order/online aspect that was considered "high risk". At the time I had no idea how detailed the collection of payment aspect is.
However, in the end, if you do decide you want to be in total control of your mail order or online business, there are resources out there for High Risk Merchant Accounts that can work for you...
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