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I'll answer my own question... the reason 28.84 is on sites is bc they use an offshore bank for processing and that is the US dollar conversion. Obviously you have gone to a site and saw it worded as a price description.
Your best bet is to stop while you are ahead, use somebody like zomboai since you do not have affiliates and do not need to pay a fee, and start making sales.
Then, when you have sales, get a merchant account, make it clear what the price is and that it will recur but in a fashion that is well thought out.
So yes... NOT IMMEDIATELY ABOVE THE SUBMIT BUTTON ON A FORM THAT IS IMPULSE IN NATURE AND TRYING TO COLLECT CC INFO!
google checkout is a great example of how to show wtf you are buying without being OVER PRECAUTIOUS
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