Credit Card Online Reader

Credit Card Online Reader

I am a freelance artist- meaning aside from making art I'm also my own small buisness. A friend of mine told me yesterday that there are websites that you can charge someone's credit card back to your bank account- like paypal but without them needing an account- just their credit card numbers. For those who have no idea what I'm talking about- it works just like a credit card reader in a store but it's online. My friend didn't know the name of the site, but I found

http://www.charge.com/

I was just wondering if anyone could explain how this works to me a little better. Anyone out there who's used it?

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