Hello!

I am in the process of setting up an e-commerce site for a client. So now I'm looking at a cost effective means of accepting credit card payments online. If you google for this a bit, you will find a ton of solutions, but I am wondering if anyone can recommend one with which they have made good experiences.

A couple of points:

1. It's not a shopping-cart kind of site. So, a hosted catalog site wouldn't work.
2. Ideally, the payment page is styled and branded, even hosted by ourselves. So, the user would be able to enter the CC information in some forms I am providing, and I don't have to use a forms page that is hosted by the payment processor. A programmatic interface to the payment service would therefore be desireable. I'm willing to compromise on this based on the next few points, though.
3. Initially, this is going to be a low-volume affair, with many smaller rather than a few big transactions. Therefore, low monthly costs and low per-transaction costs are important. For example, PaymentExpress seems to be popular in New Zealand, but I find their cost of $150 for setup and $50 per month rather steep. Internationally, there seem to be much lower-cost solutions available, but (see next point)...
4. The payment processing service should not just focus on US bank accounts. Ideally, they should be able to deposit the funds straight into an NZ bank account.

Any recommendations?

Thank you very much...