I have been looking for a Credit Card Processor that dosent require a merchant account to accept VISA.
Found 
www.myvirtualcard.com
How many use this service?
There is something I dont get:
 - Theire fee is 13,5%, but it seeems they also charge $1,5 per transaction. Is this normal?
ex.:
You sell a service that cost $10 each.
$1,5 per transaction = 15%
+ 13,5% transaction fee
That is 28,5% !