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I believe that the average Joe can now accept credit payments using 2CO https://www.2checkout.com/

I don't know about the US but here in the UK, if you want to accept card payments you pretty much have to pay monthly for the privilege.

Use 2CheckOut.com. It's a one time $49 set up fee, and then 5.5% plus $0.45 per transaction. Steep, yes, but you can get set up same day and there's no monthly fee.

Response from 2Checkout.com
http://www.2checkout.com/community/support/topic.p hp?id=214&page&replies=4#post-717

excerpt:
""As a reseller, there is no way we can 100% guarantee the veracity or delivery of service from a supplier. In the end, it is their duty to supply the product. As a retailer however, we can guarantee that a purchase from us is safe, and will be handled with the utmost care and attention to customer satisfaction. It is our goal to conduct our business in a way that is profitable to our business customers and risk free for our end-use customers. You face no financial loss for ordering a product via 2Checkout; in the worst case scenario you retain your money, and walk away with no gain, but no loss.

Given the pricing and presentation, your doubts and concerns regarding the Medison Celebrity are understandable and we sympathize with your apprehension. If you are unsure about your purchase you may well be better served to stand by see how the situation plays out. Doubts regarding the integrity of 2Checkout or our desire to provide safe, simple, service oriented online transaction are without merit however, and even if you choose not to purchase this product we hope for future opportunities to provide you with an e-commerce solution you can trust for both your sales and purchases online.""

Take a read:

http://www.2checkout.com/community/support/topic.p hp?id=214&page&replies=4#post-717

Sounds a bit fishy; too good to be true.

But the credit card processing firm is in Ohio and they're for real.
So as long as a Visa or MasterCard is used, you could always dispute
the transaction if it turns out to be a fraud.

        https://www.2checkout.com/community/

I did a little digging on the web. The company is in Sweden. The
founder has a patent on keyboards with keys that are little displays
and can change their faces.

        http://www.unitedkeys.com/index.html

But Medison has only existed for a couple of months, although there
have been other companies owned by the same guy and named as a
variation of Medison.

As best I can tell, here's the Taiwan manufacturer's page. They
sell to OEMs in a "bare bones" configuration. Medison claims these
go to a new factory in Brazil to be finished out (add disk, memory,
load Linux, etc.). They've got a good reputation for build quality.

        http://www.clevo.com.tw/products/M540V.asp

So, I suppose it could be a scam, or maybe something that turns out
to be too ambitious for Medison to deliver on. They'd have to do
tremendous volume to make it work. But for $150, and with the
credit card processor between me and them, I think I'll go for it.

If you are in Canada and want to send money back and forth online, all the major Canadian banks have an agreement that allows you to transfer cash to another account. It's an Interac-like system, see Certapay. Why isn't something like this available across the border, so we could send money throughout North America like this? Seems beautiful to me.

On the vendor side, if you are trying to sell your own arbitrary goods, then 2CO might work out for you.

...you can't order coffee & a slice of pie on the Internet

Here's your coffee and pie.

There's a 5% transaction fee, but that doesn't sound totally unreasonable.

This is even less than what 2checkout charges. Not a bad deal at all and SourceForge gets a bit left over after processing fees.