I'm almost falling of my chair laughing (I do feel bad about this), but we've had so many similar issues with PayPal it is just crazy to think they once were th

I'm almost falling of my chair laughing (I do feel bad about this), but we've had so many similar issues with PayPal it is just crazy to think they once were the small guys fighting the establishment. What you are trying to do is indeed very likely against their TOS, but the whole process is just appalling. I highly recommend looking at WePay. They might be a much better fit for you anyway (not just credit card payments, but also very low cost bank transfers). Try to get a regular merchant account, but if I understand your business model you'll likely be rejected, or face unrealistic high fees. Maybe when you can show them some transaction history you'll have more luck.