You have two choices:
1) Third party payment processor such as (listed in order)
WorldPay.com
Paysystems.com
2checkout.com
These have low start up costs, sometimes no monthly fees and no requirement of a business license or merchant checking account. My favorite is Paysystems, you pay a one time $49 setup fee, no monthly fees or minimum requirements, you are paid every Friday directly into your banks account via ACH (just like direct deposit).
2) The BEST option is to get a merchant account with your bank and an account with authorize.net this gives the merchant the most protection. With the first choices if a customer disputes it although you provided services and/or goods, chances are you will lose, the customer will win PLUS you are charged a $25 "charge back" fee.
So imagine how pissed you would be if someone pays for $10 of web hosting, they get pissed off at you, dispute the charge, not only is the $10 taken back PLUS you are charged a $25 charge back fee as well.