Being able to take credit card payments online can seem a bit confusing. This article will try to explain thing a bit.
1. Start with your bank.
Your payment gateway will need to connect with your merchant account, which connects to your checking account. If you don't have a merchant account, you'll first need that. Banks provide those usually.
2. Get a payment gateway to connect your website with the banking world.
For a payment gateway, your bank might have their own, kind of "home spun" payment gateway that they will suggest. The problem with many of those is that to interface with that proprietary software, we need to dig into their API (application programmer's interface) and write our own software to communicate with their special gateway. This will take time and we'll have to charge for this. Minimally, we're talking 5 hours or so, which is about $400-$500 or even more.
The better option is just to go with the most popular payment gateway out there - Authorize.net. They're the leader and virtually every kind of website e-commerce / shopping cart software that's out there will interface with it. You can sign up with them either through your bank (maybe), though a reseller or with them directly. The difference is that the set up fees will vary.
3. We'll take it from there!
Once you have done one of the above, get us what we need and we'll take over from there.