Am working on my website's cart right now, actually it's ready to go live but I need more stuff to fill it =) Am using Propay since I already have it in my Artfire shop. It's only $40 for the whole year while other processors are at least $20 month.There are not so many carts that support Porpay though.
I considered using an offline method to run CC on my website, but I just don't see how it's worth it. With having propay automatically process my orders, I don't have to deal with compliance or having to enter it. My cart doesn't store anyone's cc info so if it was ever hacked, none of that would be there. If a website got hacked that any cc info on it there would be quite a lot of liability there because it's ILLEGAL. And website hacking is a pretty big business these days.