Without a company a "true" merchant account for mainstream credit/debit card processing is impossible, even with a company banks are picky about underwriting t

Without a company a "true" merchant account for mainstream credit/debit card processing is impossible, even with a company banks are picky about underwriting the risk (due to chargebacks the bank is essentially on the line for 6 months after they've paid you). I would suggest looking at the middle men such as 2checkout.com, paypal, braintree, worldpay.