Another possibility you could use through a 3rd party would be Epoch/Paycom's ezclick stuff. You can do a very easy upsell/additional billing for your surfers as long as you have their subscriber number, username, original product code, etc... as far as I'm aware, they just need to enter their E-mail address again (unless it's within 15 or 30 minutes of the original charge) and accept the additional charges.
Just a thought, although I think the merchant account route is one of the best to take the way the IPSP stuff has been going lately.
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