1. For payments in your area, your current option is PayPal. Very soon we'll be adding more options, but for now, that's what you have.
2. CB is not required... there are integration elements to enhance the process, but it is optional.
3. The only way a refund would be allowed is if you had a problem that we are unable to resolve within 30 days. That does not mean there is a feature that you want to be there, but isn't. Just ask any other questions prior to purchase.
There is no other solution that matches DT Register... not even close... especially after we release 2.6 in a couple days. Thanks.