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Hello there and a request for advice about receiving payments

I'm a first time poster so please go easy!

I'm in the UK and setting up an online store. My bank has recommended Elavon to take payments who said that I'd need to use Realex or Sagepay to do the 3D security. I would also need to contact Amex separately to accept their card. I'm getting very confused! It strikes me as odd that I'd need to have 3 companies (plus foxycart) just to get money from my customers!

Can anyone clarify this a little and/or give me other options?

Many thanks in advance
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