How To Take Payment Options

Currently I have a merchant account for one of my businesses and a PayPal business account for another business.

I've been thinking about taking a few of the wholesale accounts I have set up for a hobby of mine and building a little online retail store. It's already a pretty saturated market, so I only want to test my hand in the market before I establish a business entity and open a merchant account.

There are no affiliates (other than amazon) that are offering affiliate programs for this market.

Any suggestions on how I could take online payments without opening a new bank account and new merchant account for this test venture?

Thanks!
Matt