There is a program on ZDNet that purports that you can accept credit cards and checks for free on your site with this script. First result of this google search [google.com]. It seems like there must be something sketchy about this since free and credit card processing just don't seem to go together ;). On the page it says: "Process checks and credit cards from any web site for free... deposits money directly into your existing checking account" more or less. Any experience? Any thoughts?