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Thanks - perfect responses. ta very much!
If you've experience of ASP or PHP you'll be able to figure it out. I think it depends on what bank / system you'll be using, but most of them are you simply pointing a forms' action at their servers with some given variables, and then collecting a returned set of variables to confirm the transaction.
..as far as I can tell, this process is pretty much the same from PayPal to HSBC.
Some, like WorldPay, are even easier.
moth has answered your question well.
if its for a small business of your own then id suggest going the paypal route if you are doing smallscale sales as theres no major setup fees but paypal takes a percentage of each sale.
Going the other way, Worldpay asks for a setup fee, six monthly fees then monthly fees thereafter. They also take a Transaction Service Charge.
This'll work out cheaper that paypal if you are making LOTS of sales/money each month.
do your sums before signing up for either.
thats my advice