For publishing, I would recommend Adobe Acrobat Professional. I just converted two of my ebooks from eBookEditPro to Adobe and the process was super easy. There are cheaper options available I'm sure but there are so many customization/security options with Adobe is the complete package and gives you complete control over the look and editing your book.
I think PDF format is the best way to go. It works on both Mac and PC and everyone has Adobe Acrobat these days. As I said there are some services that allow you to convert a PDF for free (just Google it) but often times the free/cheap software options are very limited.
I've always used PayPal for my online selling and haven't had any problems but many people here have had issues with them. (I haven't) If anyone has other payment option that you've had personal experiences with, please chime in.
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