payment module for australia?

I have asked already last week,but this week I made some research and read about it more in internet and here in tutorials...

I would like ask people (especially from Australia) which payment modules do u use?I will use PayPal express and looking for payment gateway,found 3 independent and major banks offer some merchant accounts as well.

Banks do not write their price and it seems there monthly account fees involved...Which payment module will i need to install then with one of these merchant accounts?I am a bit lost:-)If u do not want to post name of your gateway company,can u please write me personal message then?

P.s. any help will be appreciated

I'm new too, but I've just tested PAYPAL with both the PayPal Website Payments Standard - IPN and also the PayPal Express Checkout. I just tested it with a major Australian Credit Card.

Both seemed to work for the large part, although the return page wasn't quite correct for the Express Checkout as it returned to the Checkout Payment page without displaying the order transaction details. I'm still looking into this issue.

Correction on the Express Checkout. It did not process properly. The other method worked ok.

OK This is really strange. I just re-tested a payment, but this time I did not use the yellow PAYPAL Express Checkout button, but the normal slower Checkout button sequence and the transaction worked this time and quickly ( faster than the PAYPAL Express Checkout yellow button )

Also it stayed at my site, rather than going off to PAYPAL. Also it did not prompt me for any credit card details. This might be because of my adjusting my browser security or that Zen Cart already had my previous credit transaction details available ? Not sure. Still exploring this thing. Quite a bit to learn here.

Anyone got an explanation for this functionality I have described ?