request payment processing solution tips

I have done quite a bit a research into payment processing
The only requirements are that the solution lend itself to multiple
platforms and methods;
meaning:
1) I should be able to swipe a card somewhere at a terminal
2) put up a simple "accept card over internet" site.
3) most be hosted on site

I may be mistaken, but I think dial-up is a thing of the past, for new
solutions.

It can be hosted by any in house server and programmed in any language.
But has to be 1 entity, not several solutions.
The iSeries seems to be a 'closed game' with IBM offering a full blown
WebSphere solution and 1 mid-market solution.
Both of these solutions require infrastructure considerations or are too
comprehensive to suite this requirement.

The most suitable I found is VeriSign's Payflow Pro client (java SDK)

It is in the price range. But is that all?

I find it hard to believe that we have not made this easier on ourselves,
while simultaneously enabling those with low budgets to participate?

Mark Villa in Summerville SC