There is a way for providers to accept and set own payment methods to get around you having to pay each provider. I've been working with x-cart designers for over 2 months now to implement this custom feature (and a few others
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If you want special features, the x-cart team will do their best to make it work.
Be advised, you can't be afraid to spend the extra $ for advanced programming.
http://newyorkconnected.com is in final build stage and will go active on 5/15/04