Proforma enables you to process credit card transactions in a customer-not-present environment. This is ideal for businesses that take orders via mail, phone or by email. The software is completely open source, and is available as a stand-alone program, webpage-based or component based. No merchant account is required, nor is there any setup fee or monthly charges. For full details visit <a href="http://www.webtropy.com">www.Webtropy.com</a>