Yes, you can't really think of PayFloPro as PayPal. It is an actual merchant account. You obtain full credit card authorizations and can run reports to reconcile things through the API. The only thing to be mindful of is that the libraries they provide for using the APIs are pretty much either C or Java (I want to say PHP also, but I am not 100%). If you do not use the libraries I am pretty sure you can use URL strings to pass data back and forth.