Because I live in Europe, I can't use DirectPay. For technical reasons (and also fiscally it's a bit complicated here) - I'd rather not use PayPal (here it's considered as a US bank account fiscally speaking). Is there any other payment solution for me?

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One option to setup a merchant account in Europe is to go to the Autorize.net UK/Europe site and click on GET STARTED:

https://www.authorize.net/en-GB/

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