Basically authorize .net would be transparent. Once you have an account with authorize.net, all you have to do is securly post (cURL) to the account with specified format and categories. Through cURL you will have instant notification of and accepted payment with the credit card. With this you could allow instant access to courses. The reason I like this method more is 1) it is transparent to the user 2) they don't have to have any type of account (ie: paypal)
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