The thing to remember is that you want to make as easy as possible for someone for to buy. A huge % of orders get dumped because someone added stupid extra steps like having to open an "account" to order, or requiring they give an email address. You want the easiest checkout possible.
I suggest you get these 3 instead of a merchant account and just integrate them into your cart, or completely skip the cart and just use their paybutton features..
1) amazon payments ( 70 million americans have amazon accounts and it is close to one click checkout),
2) paypal 80 million too.
3) Google checkout
For a cart I recommend mercantec, they are free and very simple to integrate the above 3.
Plus they give you the optiopn of a "purchase form" with all your products listed, the person just ticks what he wants and one click to pay. Simple.
Also checkout flogd which integrates with paypal, simple 10 item store can be inserted into any page you want. Takes less than hour to set up.
see this example. ourcynic
no need to make this stuff any more complicated than needed.
Remember, simple = good.
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