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2. Which is the most effective and simple to use online payment system?
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Probably Paypal.
From a merchant standpoint it's nice because it's automatic cash usually. Credit card transactions through other companies usually take a few days. Really that
shouldn't matter, but it's a plus.
From a buyers standpoint, Paypal does feel limiting. I no longer have my paypal account connected to my bank account.. so if I don't sell something on eBay to build up the account it's hard to buy stuff...lol. but I think the majority of consumers now days are pretty open to Paypal.
as far as templates for selling real products (not just affiliate links) my store uses a yahoo merchant account. I didn't chose it, but I can understand why it was chosen. I think they start around $39/month and you can get credit card transactions through it.