accepting online payments

Good morning all.

I am working on a site that will seen need to accept online payments for the
service of using our site to list their vehicle to sell. I have browsed
through the archives and looked on the web for info but to be honest I am a
bit confused :-(
I keep reading that I need a merchant account , a shopping cart, etc, etc
but is this all necessary to accept credit payment?
Could someone please let me know how to go about simply accepting credit
card payments through a form on our site?

Jim
http://www.exoticautoinc.com

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