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Bleach does not work on red wine and fixes rust stains. Oxalic acid removes these and without damaging the material. It'll get rid of product stains in many cases, too. You can buy propriety brands with oxalic acid as the active ingredient (Stain devils) or just buy a container of the pure crystals and mix it yourself. That's what I use.
What you're looking for is a Virtual Terminal. Many companies can provide this. Try WorldPay for a start, but compare 3 before you decide. Also, they will drop their fees in a bid to match the competition
6 weeks before arrival *
I phone the customer directly. My payment policy is that I take 1 days payment as deposit immediately, then the balance 6 weeks before. Once you have the relatively small deposit, you have their bank details. I use WorldPay Zinc to get the payment. Feel free to check out my policy. Look up Whiteshell Chalets
In all my bookings (10 or so) I have never seen a cvc code. I spent a lot of time on the phone with B.com trying to resolve this. they told me that it was a glitch at their end. At the time they would not let me take prepayment as I was new. Now I can and request a deposit on booking. I phone to take the deposit, so I get the card details that way.