Hi Jindou,
Just in case you're working at the beginners end of the spectrum (eg.
just getting started testing a new idea), the zero effort solution is
to sign up for a free business or premier account with Paypal. Create
a "paypal button" ("buy now", "subscribe"). You can be live and
accepting payments with a few hours with this. They POST or email you
when a payment is received.
There's lots of reasons why it's not an elegant solution, but at no
setup or monthly fee and low setup effort you can focus on other
priorities.
cheers,
Jeromy Evans
http://www.linkedin.com/in/jeromyevans
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