Sorry, I might have been clearer! Thanks for your suggestions. I just need a merchant services provider that has decent gateway API, and some way of storing cr

Sorry, I might have been clearer! Thanks for your suggestions. I just need a merchant services provider that has decent gateway API, and some way of storing credit card details with the gateway returning an arbitrary string as a reference to the stored card details, so that they can be used for repeat purchases of arbitrary sums, i.e. not a subscription model. Essentially I don't want to assume the responsibility of storing my customer credit card details in order to avoid the expense of the additional PCI-DSS compliance steps required. I wanted to use Braintree, as they have well written client libraries, and the tokenization feature I need, unfortunately they cannot offer merchant accounts to non-US businesses, but partner with Chase Paymentech in the EU who have an absurd $5MM minimum volume requirement. I looked at SagePay as they have a similar facility to Braintree's vault for storing credit card details, but it looks that one of the required fields for that API call is the cardholder's name. My app is accessed via telephone, so all data captured is numeric, (long number, expiry date, and billing zip). It's so frustrating, it's the only thing stopping me from launching… the ability to accept payments!