Hi,
I have a similar problem - in this case we use Moneybookers and Paypal but there are countries where the governments did not join the International fight against fraud and that is why these countries are not on the Moneybookers and Paypal lists.
Worldpay is just too expensive to start out with for smaller businesses and in South Africa and I believe Worldpay withdrew their service about a year or two ago.
I will look into some of these solutions mentioned. In Africa I also have clients from Djibouti and smaller countries that want to pay per credit card...small clients but a lot of small clients build volume at the end of the day.
I believe that chargebacks are the biggest problem with credit card payments.
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