Welcome to the industry, and if you have the ability, skip and by pass all of the processors mentioned here, and get a merchant account, I would be a lot happier these days, if that advice was given to me as a newbie.
Sadly you must learn the hard way in this biz, too many ways to take advantage of uninformed newbies, and i am familiar with most of the tricks.
Also make sure you get some tracking software and learn to analyze your stats, they are invaluable.
Nothing boils my blood more than a sincere newbie getting pointed in the wrong direction.
Get a merchant account if you can.... and best of luck!
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