Hi,
I noticed your thread about being unable to accept credit cards unless it's through paypal. I'm an internet business owner myself and use a company called ClickBank. They'll process all of your payments for you. It's not a merchant account, so you won't have to deal with any long-term contracts or credit checks.
The best part of it is, your customers do not have to signup for any thing. They simply fill out the form with thier credit card info and will be billed, then immediately be redirected to your "thank you" page where you can allow an immediate download if you wanted to do that.
Any how, here's my referral link. Hopefully, you'll consider it and use my link if you decide to signup since I recommended to you.
http://neosum.reseller.hop.clickbank.net
They'll accept Visa, Mastercard, Amex, Discover and even PayPal on your behalf. You'll receive a check from them every 2 weeks for the sales that you generated.
This would definitely give new members more options to pay when joining, and gives old members new options for renewing. If you feel this is out of place, I do apologize and please delete the post.