Just to help your credit card research for those people who use their credit cards on the net.
I imagine that the costs will out weigh the benefits (at least for a small size club like Toymods) as a credit card gateway is going to cost you at least 1200 dollars to set-up and an SSL cert or similar can range in price from 300 to 1200 dollars (yearly cost) depending on who you source it from etc as well as the servers and OS these forums run on.