Yes, it's a drawing of me. And yes, my hair really does look like that. I want to start my own web design business. I'm working on an article on that subject now. I'm sorry, but I currently don't need subcontracting help.
Merchant accounts can be expensive.
Since most of my clients prefer to pay by check, I don't really have a need for one. PayPal is an alternative for people who prefer to pay by credit or debit card, or want to set up Electronic Funds Transfer from a checking account. My responsibility is to my clients. When my clients needs special software or scripts, I work very hard to find free or open source options for them to keep their costs down.