I'm totally relaxed, AC_Doctor. What gave you the idea that I was anything but? Your post sounded a little strained, if anyone's did...all that emphatic CAPS LOCK business.
While I don't own my own business, I've made purchases with credit cards online, on the phone and in person. Unless their system is down, it's never taken more than a minute to scan the card, get authorization and bill the card. You're right, thousands of those one minute transactions can sure add up, but that's the cost of doing business.
Did you take a look at the link I posted? Oh, and I copied my response to you over on assaultweb as well, in case you were wondering. The long thread they contributed to over there, then suddenly disappeared from when people started asking about availability and price has been deleted, for some reason. Curiouser and curiouser.