Opening a company
RiderOfGiraffes: The answer is probably yes, and you give no clues as to what you're doing (understandably) but do you need CCs?
Might it not be possible just to use PayPal?  Since you hold the service, if someone doesn't pay you can email a reminder, give them 2 weeks' grace, then simply pull their plug.Credit card payments can be a complete pain.  In the UK it's very common to set up Direct Debits, which have all sorts of guarantees to make them attractive.