I have a paypal clone [url removed, login to view] that I have been trying to get to work right so I can open for business. Currently the site does not figure affiliate percentages correctly and it needs the following: To be able to store Credit card info. To be able to store and print a check for ach purposes. To be able to allow up to 5 email addresses per account. The site will be back up and running within a week. What I would like is for someone to open an account and see what it would take to get the site as close to and as good as paypal. Phase 2 will be another major undertaking but it needs to be confidential until the 1st phase is done .