PHP Payment Gateway API

Is there an example of a simple payment gateway API for e-commerce?  One that Posts an XML file?
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rgranlundAsked:
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Dave BaldwinFixer of ProblemsCommented:
Simple?  Not very likely since they all have to do the same things.  Authorize.net has one version that uses XML but it is generated by the code, not loaded from an existing file.
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Ray PaseurCommented:
Just use PayPal - it's simple, well-tested, widely accepted.  They have RESTful APIs with PHP examples.
https://developer.paypal.com/docs/classic/ipn/gs_IPN/
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