merchant account

[question]

hi. I want to sell adult dvd's on my website but I'm confused by what I need to do to get this going. Do I need all 3 of these things -shopping cart, merchant account, and payment processor? Is there a plan that combines all three or that makes setting this stuff up easy for a new business? I've called a couple of merchant account providers and even though their websites say easy integration and shopping cart included it turns out that usually the shopping cart isn't provided and integration is only easy if you already know how to do it. I don't, and since my site is very small I don't have a tech person, either. Also, rates for adult products will be listed at 2-4% but when I call to talk to a sales rep they will quote me 8-10% plus a lot of fees that aren't mentioned on their websites so I'm a little worried I'm going to end up paying out a lot more than I expected. Any advice or suggestions for providers would really be appreciated.

Thanks