I want the payments to be made via credit card not Paypal, I dont want a paypal prompt or anything, just a simple enter your credit card details and pay.

To set up the payment system, on the Admin Panel > Configure Site > Social Networking > Listings configurations page:

A) Go to section:

The options here are "Credits System" and "E-Commerce Currency".  In your case, you want to select "E-Commerce Currency".

B) Go to the E-Commerce Configurations page, Admin Panel > Configure Site > E-Commerce.

At the top of this page you can choose to use "PayPal Shopping Cart", "Paypal Checkout", or "Checkout via Email".

We are using "PayPal Checkout" on this UltimateWB website.  In your case, if you would like the user to provide their credit card info directly to you, rather than through PayPal, you would choose the option "Checkout via Email" here.

Now jump to the "Email Checkout" section on this page (there is a link to it at the top of this page).  Here you can customize the checkout form that will be emailed to you.  You would want to include in these forms the Customer Info, Billing info, including their credit card info.  This information then gets emailed to you, and you can manually charge their credit card.  You do need to make sure that you have added SSL to your server (secure server), which you have already.

*Please note, that using this manual method of payment, where you process the credit card info yourself, will require you to also manually activate their Listing, assuming you have set it to be inactive until payment confirmation.  Using the PayPal Checkout method on the other hand, automatically activates the poster's listing after payment confirmation.