LOL ok, I still don't remember but anyway...
It's hard to answer your question as I don't know what you're bank have offered you, check out their charges, commissions on each sale by card etc and compare it to Paypal. My money would be on Paypal being far cheaper though. If it is then no you don't need your bank's intervention.
Personally, I would also remove the lightbox gallery. If you want a gallery on that page this is fine, but don't use lightbox it's not very good.
I think what I probably meant for you to do is what I recommended this person to do on her site.
http://www.beadedjewels.biz/