Step-by-step tutorial needed: Credit card payment for Joomla & Virtuemart

We are looking into selling a scientific study on our website, which runs on Joomla 1.0.8. We want to use the Virtuemart shop system for Joomla and allow credit card payment with it. We don't want paypal, because we don't want visitors to leave the website for payment. For this purpose we are looking for someone who can provide a detailed step-by-step tutorial on how to implement the specification we are looking for. It should include: 1. Who are the cheapest credit card processing companies and what are their rates? 2. How to setup an account with them 3. How to implement and test the account in Virtuemart Please only bid for this project if you can provide detailed and relyable information. Thanks