Ecommerce payments will soon become the "normal method" for most business transactions. When the banking industry and government regulators can agree on all the legal requirements for open, "instant money transfer", it will reach the status of "very simple and safe." Until then, most business websites are simply relying on private companies to safeguard their customers' information (and money)! Your website can probably avoid the full e-commerce website risks and still be a very profitable (commercial) website.