This is a bit of a whining post, but most of all I'm writing it in hope that someone can help me. I'm trying to set up a payment terminal on my new website. Simple, right? Well, no.

First of all, I don't have a Paypal account because Paypal doesn't work in my country.

Second, a lot of the other companies I've looked at only work with American citizens (Propay, Paylinedata, Payleap etc).

Third, Payza declined me because of 'high risk' which is completely ridiculous, it's a small online game where I need a gateway for players to buy in-game items!

The ones that did accept me (Moneybookers) require me to send a group of documents about my company - which doesn't work for me, because I don't have a company. It's a stand-alone site which is new and won't make much profit, do I really need to be registered as a real-world company to run it?

Some others I looked at were obscenely expensive for my means, I can't expect the site to make much money at first and I can't afford to pay any huge setup fees and then further large monthly fees.

Now, there's two big ones I haven't tried: Authorize and 2Checkout. I saw that 2checkout had a lot of bad review regarding chargeback, and Authorize's prices are just around the top limit of what I'm willing to spend ($100 setup fee, $20 monthly). Besides, I don't know if either would accept my business.

Does anyone have any suggestions? Surely a lot of you deal with these issues, or have dealt with them at some point? If you know a company that isn't too expensive or too strict with merchant criteria AND accepts non-Americans, please share. Other than that, if you have any outside-the-box ideas, I'd love to hear those too.