Proforma is a pay-per-use credit card processing application. This appplication can be used to process credit card payments made from customers either from mail/phone order sales or from web based transactions. The system is secured with 128 bit SSL encryption to guarantee safety in transactions. No merchant account is required. Visa, Mastercard, Switch, Delta, Solo and JCB cards accepted. Currencies accepted are US dollar, Euro and UK Sterling. Repayment is made either by cheque or by fund transfer. The product is open-source, including VB, .NET and ActiveX implementations with a Java version available at www.webtropy.com. A small fee is levied against each transaction made through this software. Details of the current transaction charges are published regularly at www.webtropy.com