If paypal support your country, go for paypal instead of wire transfer.

Have a look on available different payment processing companies and their price structure; http://www.litecommerce.com/payment_gateways.html

I find oscommerce is flexible and easy to customize, if you have any problem you can get it sorted out from their knowledge based support, and their developer's community.

Check with google checkout.

IMO, it is no point to contact a collection agency unless a large sum of amount is lying in market for recovery. However it is better to prevent fraud and better to stick with own TOS instead of...

I think probably that was pre determined, can you tell us what intended you to choose that payment processor though no one has recommended it here.

For UK chronopay can offer you a 3rd party solution as well as an own merchant account. Also, they can offer you a virtual terminal at no extra costs. With their 3rd party solution there are no...

If you shall provide the url, I can guide you properly.

It can be made SE friendly, ;) it will take some modification of the basic cart.

I hope they are hiding their identity by not providing contact info, how one can rely on their reliability. I too think it is something scam.

If you're looking for alternate solution for...