For the CC part ...
First contact your bank and find out if they offer CC processing for you.
If you have an account, it might be cheaper to use your own personal or business bank.
If you don't have a CC merchant, you'll have to get one, such as Authorize.net,
or even PayPal for that matter. The transaction prices/fees will all vary depending
on who you pick, how many transactions, and the dollar amounts.
The secure site part (HTTPS) comes into play if you wish to keep the user on your
website to enter all CC information. Otherwise, without HTTPS, the user is sent to a
secure site to enter their CC information, and returned back to your site afterwards.
Authorize.net offers both AIM (advanced integration method ... requiring SSL/HTTPS),
and they offer SIM (simple integration method), like PayPal ... where you don't need
a secure server.
Who you select as your CC merchant will determine what PHP scripting you will use.
The CC merchant account will cost money (transaction and/or monthly fees).
The webhost account (secure or not secure) will cost you money.
The actual PHP scripting can be free if you do it all yourself.
Last edited by mlseim; 06-20-2012 at 02:06 PM..