Hi Dustygarden. I always think of Huckleberry fo when I see you on the forum.
If you use PayPal you can use a free PayPal cart. PayPal processes all major credit cards without requiring buyers to join although there is a place in PayPal settings where that option has to be checked. You don't need a merchant account. You do need a Pay Pal premier or business account. If you have a basic account the upgrade is pretty simple. Paypal takes 2.9 % + 30 cents of each sale if your sales are under $3000. a month I think it is. I'd have to look it up again.
Another forum member uses and likes Mal's E-cart, which is also free. Seems to me she uses PayPal for processing. Here's a thread about Mal's.
viewtopic.php?f=3&t=2449 And yet another forum member uses Zen cart. So those are some other options for you. Hope you're doing well.