Since you have only three products, a smaller cart might be more worthwhile, unless you want some more things, like affiliates, possibly Fed-Ex / UPS real-time quotes?
Sit down and determine what you want the cart to have and what language (ASP, .NET, PHP). Then build your site and get that part up and running.
Then you will be ready for a merchant account and an electronic payment gateway (Verisign's Payflow, LinkPoint, Authorizenet.com). The electronic payment gateway is similiar to the POS terminal in the commissary. It connects your website to the transaction processor (usually First Data) and then First Data either handles the authorization or sends it over to the appropriate financial institution (Visa / MasterCard / AmEx / Discover) for authorization. And once it is approved or not, it comes back to your website. (Yes a lot happens when you hit that submit button :) )
The merchant account processor (MAP) helps you to accept the credit cards and handles getting your money from the issuing bank.
There are a lot of fees charged by the MAP - like discount rate, transaction rate (some gateways charge for transaction rates as well: Verisign's Payflow Pro gives you 1,000 free transactions, Auhtorizenet.com usually charges about $.10 a transaction and LinkPoint does not charge anything), electronic gateway fee, and customer service / statement fee for starters
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