Depending on how you want to do it, I'd suggest talking to your bank - they most likely offer merchant accounts and that might work well for you, depending on your credit and other things.
As far as processing them online or by phone I usually suggest
www.propay.com or
www.2checkout.com I'm not sure how that would work though IRL... unless you could get set up with internet access, but that still might be a lot of hassle...
I've heard CDG Commerce is good for regular merchant accts but I've never used them personally.
HTH and

for you.