Ask HN: Is there a startup that allows me to charge without a merchant account?

It depends on if you want recurring (subscription) billing, and what countries you need to support.

Checkout by Amazon and Google Checkout both support you not having a merchant account. I've also used 2CheckOut in the past.

Maybe check out FastSpring: http://www.fastspring.com/

You might take a look at Amazon Payments.

hey rurro - working on something you might be interested in. do you mind emailing me? fsimmons at gmail.