On credit card processing

Recently someone in the Warrior Forum posted the question about whether it was now easier or hard to make money online than it used to be in the earlier years. Personally, I think it's easier, for a lot of reasons. For one thing, there was no Clickbank to do your credit card processing for you. If you wanted to sell anything of your own, you had to get your own merchant account, which was difficult and impossible for many, especially if you didn't have good credit of your own. And Clickbank makes money for many thousands of ebook publishers and even more affiliates who sell those ebooks for them. Nobody sold my book for me when I used Authorize Net.