An easy way around not having to get an SSL certificate and the problems that storing CC data is to apply to someone like Paypal or Moneybookers for their merchant facilities. These are not normal Paypal or Moneybookers gateways but Merchant gateways, they will handle the transactions in a secure iFrame and handle all the security, fraud and data storage issues you would otherwise encounter. Additionally to note the rates will be significantly lower than other payment gateways (unless of course you are able to get hold of a typical bank merchant account)
An SSL cert starts at like $13 a year, if you can't afford that you shouldn't have a merchant account. There's no need to store credit card information on your server, if you really need it the gateways provide the functionality.
