Ray:
First of all Merry Christmas. I've spotted many of your posts in ones that I've also answered. Your support for the advice given by the other experts is appreciated.
I attempted a PayPal interface in a site I was doing for a client. PayPal suggested their Direct Payment process, where PayPal processes the transaction in the background. The user never leaves your site. I've attached the PDF version of the manual. The overview of their Direct Payment process in on page 13.
I had a lot of issues getting it to work. I achieved what I needed setting up a standard credit card processing interface through Authorize.net. Took less than 2 hours for the basic interface, and it does what you need. Any reason you're sticking with PayPal?