I used Bidpay and it did not work : it will deny almost all of your buyers' payment (80% for me ). They gave no specific reason. Just deny and hold your customers' money for 2 weeks before refund back to their accounts. I have customers crying for this... Not recommend.
Merchant: If you do not sell in big volume, no need to sweat over this because it will charge monthly fee ($20) plus ask lots of questions..
I am swiching to CCNOW and it accepts all type of credit cards and PAYPAL. Setting up an account takes less than 2 minutes, but it charges $10/month . It has not denied any of my customers, but you will have to manually send the invoice to your customer .
Paypal is not one of the choice for me anymore. My paypal and Ebay accounts get linked and suspended very quickly nowadays. | 
