I have done projects like this before. I can use PayPal to process credit cards even if the user doesn't have a paypal account. I have done this with a previous site, and it worked just fine.
It is beter to design or develop your requirement
development 10-15 $ per hour.
Please place messege if you are comfortable with these rates.
this will consume your less money and time.
Sir,
I am sure you are looking for me, i have firm experience with payment processors like cybersource and authorize dot net, you will find me online in your biz hrs.
Regards,
Innovations