Hello Everybody!

My name is Evan and I am starting a small car audio and performance company on the Internet. I will be accepting credit cards. I have been stumped about the service I'm going to use to process credit cards for me. I'm too small for my own merchant account but I'm big enough that I need lots of flexibility for processing cards. These are my main issues.

- I need a service then either sends the money directly into my bank account or does it at least once a week. No longer and a week is even a bit long.
- I need a service that doesn't bill the customer right away after they fill in their CC info. I want it to be "pending" until I say the order can go through. That way if a customer buys a product that I don't have in stock, I don't have to refund there money and I can just cancel the order if they don't want to wait.
- To prevent fraud and charge-backs I plan on making sure that the Shipping and Billing address both match the address on the credit card. I need some way to program that feature into my cart once I have it set-up. I think most CC services have this feature.
- I have a few policies that make it so I can charge a 20% restocking fee if a product comes back to us damaged or with missing parts. I need some way I can manually make charges to to my customer’s credit card (with there approval).

I have not found a service that can meet all of these requirements. I do have an idea though. I could take the persons credit card info over a secure server (SSL) and then manually charge them over the Internet... However, does anyone know of a company that would process the credit cards for me over the Internet? What I mean is this... I get the CC info over a secure server and then I go to the credit card processor and put in their name, card number and amount. That would be so great if I could do that. That's the easy part. Now I need to find the service that I could do that with. Does anyone know of anything like that? I need something soon so if anyone can help, that would be great! Thanks.