Banking Features Explained

You could use an online  gateway payment processor ! Check out the pricing of these sites below.

https://www.paypal.com/au/cgi-bin/webscr?cmd=_home&country_lang.x=true
http://www.eway.com.au/Business/Pricing.aspx
http://www.authorize.net/solutions/merchantsolutions/onlinemerchantaccount/
http://www.2checkout.com/community/
http://www.directone.com.au/html/welcome/
http://www.securepay.com.au/?gclid=CPCt0IOUtZ8CFQ0upAodVGjWzw

I like paypal because the payments go directly into any bank account you link with it. A lot of ebay transactions are done with paypal , some of the other processors collect the money and then send you a check when it reaches a certain amount.and also allow customers to reverse credit transactions.
 
You may find another provider by doing a google search on
online Gateway payment processors

Another consideration is does the web server you are using support SSL (encryption) as some gateways need to use it and can you add the payment providers Java script into the shopping cart PHP software or web site code you are using.

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Of you are selling a product like an ebook then clickbank is a very commonly used provider for this sort of transaction.
http://www.clickbank.com/sell_products.html

Pay pal is the safest and the best I assume. I have been using this for over four years now with out a problem.

However it used to be fee back on the days but not anymore. it now charges 2.45% per transaction.