Mike, It's amazing how difficult trying to accomplish something can be. I think that it is good that you are telling everyone about all the difficulties that you are encountering.When it rains it pours. My grandson is just getting over covid and as of today, my granddaughter has it. Kathy and I will be quarantine for a couple of weeks again. I will be able to work getting this to the printer but I may have to stop if my granddaughter becomes bad. I sure hope not. I was going to my bank Tuesday but that is a problem now. I will call them and see what they can tell me about a Merchant account. My son n law says this would be good place to get some good, safe information. I can get him to get the book sent to the printer. I thought I had finished this but Payment Cloud turned out to be a scam. At least this is what the reviews says.
I will keep you updated as things go along.
That way all can see that you are not just dragging it out for other reasons.