You do have to pay to be a member of the FSB - worth bearing in mind. I've heard good things about their 'offers' to members though.
If you take payments over the phone, you may be able to get a web based payment scheme with a bank. We use HSBC for our online payments from our website and part of the thing with them is that I can take payments over the phone and process them on the secure website (we get a web log in thing to check our payments etc) It should be cheaper than using Streamline (although we have that too) as you don't need to rent a terminal, but as for the monthly charges, I'm not 100% sure I'm afraid. Not the best if someone comes to see you with a credit card.
I think thats what I need.
Streamline are phoning me back with some options to change to.
ty Ding & Graham