I also use Paypal for my SaaS applicationm (http://servermonitoringhq.com http://servermonitoringhq.com). I run a free trial so I'm not asking for payment upfro

I also use Paypal for my SaaS applicationm (http://servermonitoringhq.com http://servermonitoringhq.com). I run a free trial so I'm not asking for payment upfront. Only when the customer decides to signup do they see the paypal subscription button. My target market is quite paypal savvy so it turns into quite an easy way to pay. i.e. You just enter you username, password. From what I've seen all the current solutions for gathering monthly payments require a merchant account.