Re: credit car payment via internet
If you use PayPal or Realex (which requires you open a merchent account with your banks) you can process Credit Card payments online without much fuss.
There is a book on Amazon called PayPal Hacks which give a lot of good info on setting up a PayPal account.
With Realex you also get an "Online terminal" so you can also process transactions over the phone without renting a real terminal.
You should be aware of the extra risk of fraud when you accept credit card payments.
We used PayPal for a year, but we then moved to Realex as we found it better overall.