I've heard of a few different solutions to processing payments without doing it all yourself, the prominent ones being, Paypal, as you mentioned, WorldPay, and 2Checkout. Of these, I think WorldPay is the most expensive, with a high setup fee ($299 I think), and a monthly rate to pay. 2CheckOut and Paypal compare differently depending on the volume of transactions you make, and how much they're worth. Obviously with PayPal you get a great reputation - as a consumer I've never even heard of 2CheckOut!
I'd make some projections and check out how much the different options would cost you. If you're going to be seriously high volume you might even think about getting a true merchant account and hiring someone to do the programming for you.
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