Hi all
I want to create following payment gateways with only php
paypal
visa
bank transfer
master card
but the problem is I only want to use simple php in other words without frameworks
like magento.
How can I do this.that would be really nice if you can provide me some reference link

Payment Gateways are, by definition, complex.
Every payment gateway will be complicated and rely on frameworks. Some even require special modules to be loaded into PHP/Apache. In my experiance, PayPal Direct Payment is the easyest as it only uses a simple PHP framework and has lots of examples in their SDK.
You can get info on it from
https://cms.paypal.com/us/cgi-bin/?cmd=_render-content&content_ID=developer/e_howto_api_WPDirectPayment
and download the SDK from
https://cms.paypal.com/cms_content/US/en_US/files/developer/PP_PHP_NVP_Samples.zip