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Yes I did but i worked for a big company and big companies do things in bigger scale and invest heavily on things because they can afford too. Whereas when you start from the bottom you need the minimum to start off. I know theres paypal but not all my customers will have paypal account. So I want other options for my customers like credit card, etc..
I have worked with credit cards and payments etc in my professional career. But its about security more than anything..
If you've worked with credit card payments in your professional career, you will know that the owner of the website will need to have a merchant account and you'll need to integrate the site with whoever their provider is. In the uk, the most common are Protx, Worldpay and Netbanx, so like I said several posts back, get their integration guides.