CE 4.9.7 Best/Reliable Credit Card Module?

Hi

For some reason I cannot get the off the shelf PayPal Module to process credit cards the same way that my other OXID web store does. Ev6 gave me the module as there was not a module back in 2010.

Now I need to provide customers a clear choice - PayPal or Credit Cards as most users in AU prefer using credit cards (Visa & Master)

Danke:)