if i wanted to setup a site running oscommerce what payment can i accept, i wont the payment to go straight to my credit card do i have to go through another company who will charge me for doing this?
Are you asking what payment Gateways does osCommerce accept? Paypal, 2 Checkout, Chronopay, etc Here is a list: http://www.oscommerce.com/solutions/oscommerce There are also other payment gateways you can use but you have to install contributions to use them. You can get a Paypal account free and you can get a Paypal debit card with your paypal account. Paypal also has Paypal Payment Pro where you can process cards via a virtual terminal but this costs. I hope this helps.
You have to have a merchant account of some kind to accept credit card and they all charge for their services. There is no such thing as free credit card processing (except for the current special offer from Google).
There are lots of plugins for OSCommerce to use Paypall, Authorize.net (for use with a merchant account), etc. However, none of those options "go straight to my credit card" - they go to a processing company which then deposits it into a bank account using an ACH transfer.
Right here: http://www.oscommerce.com/community/contributions,4556/category,all/search,google+checkout There are also a few more. Do a search through their contributions.