Credit Card Processing through your bank?

I was wondering if someone could explain to me, how credit card processing works a little. If I wanted to allow people to pay for a product on my website, how would I do this the cheapest for me? I know of services like paypal and authorize.net but they seem like they take too much money from me. Anyway I was looking around and my bank (TD Bank) looks like they offer similar services to paypal, etc. I want to know what the cheapest way is to go from online ordering with credit card to getting money in my bank account is.

Thank you!!

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