Thanks for spelling that out for me. As for being simple - I have begun teaching myself somewhat recently while looking for a good match w/ someone more technical. I can really only handle html & css at this point - sad I know. Anyways, this was very easy for me to setup. I've already got it going on my site w/ sandbox account.

But, going to hold off for now and just use hosted payment pages for a bit. Will likely use this in the near future though - thanks to the Recurly team.