I use Propay.com for payments on my web site. They're a 3rd party merchant service like PayPal, but it works seamlessly with your web site. You can log in to charge a CC if you have the info as well. Propay is better for smaller merchants since you have to pick one of 4 plans that each have a monthly and transaction limit.
However there are other advantages - you can transfer money to any bank account for $0.30 or to other Propay members for free (much better than paying wire fees or PayPal which charges fees even for existing funds).
I'd recommend this to anyone with a relatively low volume site or if you need to make payments to people's bank accounts.
www.propay.com.
Hope this helps.
Jon