[stratplan]

In these days of rampant Identity Theft, phishing, and other financial criminal activities, you (and your client) would best be served with a professional application.

It's been my experience that banks are not enthusiastic about on-line credit card entries and transactions where the card is not presented/swiped. They will charge out the kazoo for the account setup and then punish the account holder for any chargebacks. I would go the route of a third-party collector - a google search will turn up quite a few.

Bottom line: If you don't like swimming with sharks, don't go in this pond unprotected.