Thanks guys, a lot of good information here. Which, of course, leads to new questions. :-)
1. I'm still a bit vague on Paypal. The way I take it, both the customer and the business have Paypal accounts set up which they can deposit or withdraw money from. The customer can make a purchase with Paypal that will immediately put the money in the seller's account, and then they can add more money to their own account when they want to make another purchase. Paypal takes their percentage of the transaction. How accurate a description is that?
2. Does having a Paypal account eliminate the need to have an online credit card service? That would mean that a buyer who wants to buy with just a debit card would not be able to unless they set up a Paypal account, right? If you get an online credit card service, is there really much point to using Paypal?
Ok, we'll go with that for now. Y'all have been a bunch of help!