We own a Bed and Breakfast and ask our guests to pay a 20% deposit when they book. We currently do this by sending them a link to a secure server operated by www.elbowspace.com. We can then log in and retrieve the card details for processing at our own terminal.
I realise that this is probably not PCI compliant.
We could sign up for someone like Paypal, but there are 2 disadvantages to this:
1. The fees will be significantly more than we currently pay (1.5%)
2. We have a cancellation policy so that if someone cancels at short notice we still have their card details to charge them. We have never actually done this, but I am sure it discourages anyone from cancelling on a whim if they know that we still have their details.
Is there a solution out there which would work for us?