I've promised myself that I'll get to it this weekend. I've researched it a bit, and I think that once I get tsl(?) working with OpenSSL(the largest problem), then I can get a version of util_httppost working with SSL. Once that happens, I think it will be relatively simple to make a function or set of functions similar to cc_stub that Ben(?) created.
Intellipay, as I understand it, costs something in the range of $50 to set up, and takes a %1.5 transaction fee. Better than cybercash for small scale sites and better than manual fulfillment in most instances.