Thanks for the suggestion Tony. After looking at CardKid's site which I didn't do until after I posted, I am not so sure my suggestion was that good but Mal's is pretty simple and flexible.
My own application is more like CardKids main site, online shopping and I have used Mals for 5 or 6 years and do like the ease of use. Paypal is the one payment method we prefer not to use and have it excluded from our site so we only take MC/Visa and Amex. One of these days when I have more time I will likely change my cart to either Open Cart or OS Commerce but need to find more than 24 hours in a day before I can find time for that.
Thanks for the suggestion however. I do appreciate it.