I started out using my AOL account and asking for checks if the person found the consultation helpful. This has meant that I've lost payment from about half of my "clients." There is software that lets you print bank drafts (which works in North America) and this is much cheaper than a credit card merchant account. There is a site that handles credit card transactions for you without a merchant account, but it only works with people selling items, not services. In my experience there is not really a huge market yet for these services Online. This is likely to change, I think, especially if some of the ethical issues get resolved. Most people doing this have a face-to-face job, I think, and do the Online work on the side. Leonard Holmes, Ph.D.
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