CreditCard Processing in Europe

Hi,

I spent the last days looking for a solution to accept/process credit
cards. At the beginning I thought it is pretty easy to integrate a
service like Paypal. However, the company is based in Austria and so
many options are not available anymore. I really don't get the whole
US only stuff, but I don't wanna go down that road.

My guess is that I am not the only Austrian/German company which wants
or wanted to integrate credit card processing into a Rails
application. I am looking for real solutions and howtos, please no
links to frameworks or libraries or merchants because the chance I
already checked it is pretty high.

Here is my setup/requirements:
- monthly payment
- fraud protection
- integration in the application, customer gets charged when account
is created, charging ends when accounts gets canceled
- accepting visa/mastercard

So far I only found one solution, www.worldpay.com.

I really appreciate any help and thanks in advance,

Heli