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createdevelop
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I disagree however that paypal is a good solution.
I loathe PayPal to the core of my being

I second that notion. When you start doing serious business, Paypal is not really worth the time or money. It is fine if you are flogging your second hand picture frames on eBay, but not for business. There are stories abound on the web of businesses losing out because PayPal shut them down arbitrarily etc.

Remember, PayPal acts like a bank without the same regulation.

I also second ANZ+MIGS as a good, secure, way to go. We just finished a store for a client using this, and the tech support people could not have been easier to deal with.