Paypal does offer another solution.

It may not be what you are looking for but...

You take the customer's info as usual in your shopping cart (CC info included) w/digital certificate and store it into your database.

Then have your CSR's log into your shopping cart's admin area and view the customer's info. Then use paypal's [normal virtual terminal] called "Website Payments Pro" to run the credit card manually. This will allow your CSR's the ability to verify the orders before the credit card is charged [less charge backs & refunds].

I'm not to sure on the particulars of this yet though.