Local online payment system

Hi,
I want to create paypal similar system which will allow send receive payments by mail, add credit cards and deposit/withdrew from credit cards. These are main features and I want to know how can I build such system. I just don`t know where to start :S
Do I need to directly get in partnership VISA, MASTERCARD to do this? Can I use some third party who may allow to deposit/withdrew credit cards like 2CO checkout ? I need it to build with local currency which.
Please advise.
Turkel.

See original post by trecords