First, you must acquire an SSL (Secure Socket Layer) line from your domain registrar. Once you have done that, then you may proceed to working on your Credit Card processing system. Without SSL, no one will trust to pay anything through your site because its not secure without SSL.
Secondly, both programs that you are talking about are in reality ONE program. You can't have e-commerce unless if you have a "cart" system or any other e-commerce program that will allow you to process a payment from your customer.
Thirdly, and very important, you must have a merchant account to have your money deposited to. If you can't afford a merchant account (many people can't), then open yourself an online store through PayPal.com or 2checkout.com.
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