Anyone used or know 2checkout.com?

I'd suggest you visit forums on some web tech sites and ask there.

My guess is the folks here that have, or use the web for e-commerce, most of them did not set up that end of it, they paid a firm to create a web presence, and to set up the shopping carts and verification services that are in the background to them.

 

I actually think it's what F-chat uses for sponsors who wish to pay via card, so yes I've used it with no problems in the past. My assumption would be that most vendors can run regular cc's via terminals or software their cc processing company provides them, strange they'd use 2CO.