I'm based in the UK, and we use HSBC for payment processing on <a href="http://kutoken.com/" rel="nofollow">http://kutoken.com/</a><p>The API documentation is a bit frustrating, but the service itself is good and gives you the option of recurring payments.  We can also accept payments in multiple currencies, which a lot of customers appreciate - if you bill people in GBP but they have a dollar card, how much they actually pay is an unknown.