Sean,
"Plugnpay remote" may be what you need.
I noticed that they do keep the CC info on file for future reuse (and it's off your server which is good for security).
Here is their URL:
http://www.plugnpay.com/
As I mentioned before I haven't used them but I have a colleague who does for E-zine subscriptions and he does like them.
I also do web programming (Perl, C++, JavaScript, Coldfusion, etc - but not PHP yet

) so let me know if you'd like help with some of these things, or would like help integrating one of the less-expensive packages such as the Webware Merchant Order form.
Cheers,
James Culbertson (turnkey)
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http://www.turnkey-commerce.com