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Tony,
The Captain is correct. And just to ellaborate on what he has said, there are plenty of "free" open souce shopping cart scripts like OSCommerce products out there that only need minor adjustments to make work with your requirements. However, what you need is a host that will accomodate the system you wish to work with.
Once you make the deal with your bank and/or get a merchant account online, you may use any of several online transaction processing systems like "AuthorizeNet", "CCBill" ... to capture your account checkouts.
Many hosting facilities offer packaged solutions that may meet your goals and need. Just remember, you will also need a hosting facility that will accomodate an SSL for encrypted CC processing. For further elaboration to these matters, please feel free to PM me and / or IM me and I will freely offer you my experiences with regards to these matters.
GR
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