About the second point you would ask your bank if they offer a payment gateway service, and offer Paypal or Checkout as a second option. When I am going to buy something online I trust more a service which charges me through a recognised bank, it feels safer in case I have a problem.
My personal finances are with a credit union that most people haven't heard of. Any suggestions of a non-horrible bank? Would using such a service mean that I have to be PCI compliant, or does my application never see the credit card number?
