Hi rickkumar,
One of the projects I am currently working on is also a dating site. 
For credit card processing and e-checks you may want to try http://www.2checkout.com/
I use them on one of my sites and they work very well, and I am planning to use them on the dating site also. It is easy to set-up an account with them and they require very little information. Their fees are 5,5% plus $0.45 per transaction, which is more than WorldPay but still pretty cheap for third party processor were you don’t need a merchant account.
Good luck with your site, there is a lot of money to be made in the dating sector…
Alby
PS. If you want to share ideas or maybe trade some profiles for the dating site before you get “momentum” please contact me at [email protected]