I need a Merchant (looking inside)
 

I am coming out with a non adult site. I need a area that will be password protected for members. I dont want to pay for a visa can someone help me out on directing me? The reason why i need a merchant is because for this service customers will have the first 2 months free so I can build my database then the 3rd month is 4.95 and the 4th month is 9.95 after that is 9.95 monthly. I was also thinking about just making it a fee per yr. This way peoples credit cards will not expire and dumb annoying shit that I would have to deal with. Give me your opinions. And if you are going to ask about what kind of business or website is this.. Has to deal with the Barcode and RFID industry.