No, that's not allowed by BBS. The BBS Netterminal framework is easy to use, very secure, recognised by users and reasonable priced, so I can't see any reason not to use it. It also provides added safety to users with VISA and MasterCard, and it's possible to use BankAxept, Diners and American Express cards.
I have not used the PHP API my self, but have made a similar API in Perl with the same functions. Both use the same C API from BBS.
Roy
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