Automated billing

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I'm currently using Paypal to let my customers pay online, but I
really don't have enough of a demand for it to justify signing up for
a merchant account. Most of my customers pay in person or by mailing
in a check.

I'm wanting to set up a few new options, though, that will require the
customer to be able to pay online, and then immediately be given
access to a program (via a cookie) once the payment is sent.

Can you guys recommend a program that I can sign up for that doesn't
require a monthly fee, integrates well into the existing site, doesn't
require the site user to have an account with them, and would allow me
to set a cookie like this upon completion? It wouldn't hurt if they
had a way to set up recurring payments, too.



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