Credit Card Processing Paralysis

I've built web sites and apps before, but my current project is the first time i'll actually be charging my customers. I've done tons of research on credit card processing. My major requirement is no upfront cost (i'm OK paying more per transaction). I'll probably end up going with Paypal website payments pro, which isn't free, but is at least low commitment, and has the API i need. But basically i'm suffering from paralysis, because of the responsibility of charing a stranger's credit card, and/or making a commitment to a credit card processor. Any other developers care to share their experience/advice with a Credit Card Processing Virgin?