Stripe is available to merchants in many countries and doesn't require underwriting to get started. You can be up and running in minutes. Once you've created your Stripe account, you can configure your CheddarGetter account.
Once you've signed up for Stripe, activate your account here: https://manage.stripe.com/account/details. That's it.
After activating your Stripe account, it's time to setup your CheddarGetter account. Login to CheddarGetter, navigate to Configuration->Gateway and enter your Live Secret Key. Click "Save Changes" and you should be all set.
You can find your Live Secret Key here: https://manage.stripe.com/account.