Uhmmmm, used what? Anyway, if you cannot process a credit card payment online just forget the idea of selling online.True,You can always use your own credit card merchant if you can bear the extra cost and go through the months long verification process. The point is, I am so happy to the fact that I am using 3 great alternatives to paypal at the moment and Have been able to both accept credit card payments and successfully withdraw them. I was waiting for my alertpay checks to arrive to write this post So I can declare without any doubts that all 3 alternatives have been tried Tested and have been successful.