You don't need to go through your husband's bank. You could sign up with some service online and probably get the same discount rate. Just be wary of services that want you to accept a contract for 2-3 years. Usually they want some huge fee if you want to cancel it.
You need three leeches, I mean, entities:
*Payment gateway like authorize.net
*Merchant account to take the payments, although nowadays lots of services will pay into an ordinary business checking account
You don't need SSL and all that unless you are storing the credit cards on your machine, which you most likely won't be doing. Usually for smalltimers payment processors want the customer to interact directly with the gateway. That means you don't see the card number. But they will also offer the ability to take cards over the phone or through the mail and input the info yourself through a virtual terminal--a web page.
topr8 forgot some of the fees.
*monthly account fee to bank
*AVS verification fee
*transaction fee, which varies depending on the kind of card (cards that offer "freebies" have higher discount rates, and so do international cards, at least, IME)
*batch fee - every time you settle, you get charged. I have my payment gateway to authorize only until I can come through and manually check the transactions to see if I want to run them. THEN I capture, usually every few days. But if your only transaction was a decline that day, it goes through as "captured" and you get charged a batch fee
*monthly fee to payment processor
*monthly fee to gateway
*PCI compliance fee and/or monthly fee if you fail it
When I add up ALL the extra fees, my cost of taking credit cards averages out to be 5% of the transaction.
I take Paypal as well as taking credit cards through the gateway. It's about 20% of my sales. I also offer customers the ability to pay by mail by printing or writing out their cart and mailing in a check or MO. I use Mal's cart, which is pretty good, I think. You pay quarterly and it is very reasonable. You need a bit of html on each page. It takes the customer to a secure server to enter their info, so you don't have to worry about the SSL and all that.
Good luck! When I added the ability to take credit cards, my income quintupled the first year.