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Outside of work I run a Non profit ogranization that is 100% dependent on the donations that we receive through our website. I had looked in to using paypal for collecting the donations but was not impressed, frankly I was a bit scared after reading some of the many horror stories about paypal. I found a company called MerchantInc and they are a real federally regulated merchant account, unlike paypal which made me feel better rightaway. Ther offer a donate button that was very easy to install on our website. All donations are received 2 business days after they are made on our website in our checking account. They never hold any funds. Definetly something I would recommend to other Non profit organisations.