You do have options when it comes to merchant accounts, check yahoo under:
in reply to interchange for e-commerce?
The last one I worked with was authorize.net. They let you ftp a batch of credit cards / charges whenever you wanted to or use a page that was on their server as the credit card form. You can change everything on that page. (e.g. add your own logo, add more inputs to the form, etc) You also tell them what page you want it to go to after the charge is made, and it passes you acceptance/denial info. Its kind of primitive, but I don't think you even need pay for an SSL certifcate since you never have the credit card number.
B2B>Financial Services>Transaction Clearing>Credit Card>Merchant Servi