Yeah, that's how I used to do, and it was quite simple. I actually had much much more trouble with things like Recurly (whose API and packages are absolute garb

Yeah, that's how I used to do, and it was quite simple. I actually had much much more trouble with things like Recurly (whose API and packages are absolute garbage, IMO) and even Stripe than with the simpler gateways. The only problems I had were solved with a few phone calls, as I had a bank manager very interested in doing business with the company I was working for. But I was not in the USA/EU when I did this stuff, so I have no idea if Stripe and co. have improved things or not. For me (I later moved to Europe) it was a massive regression.