Security Using PHP and MySQL

Since I do not have access to a SSL connection for secure credit card transactions, I have come up with a different method, and I was hoping to get the opinions of everyone here on how safe it is. I will make a PHP script that takes the neccessary information and deposits into a MySQL database. In order to retrieve this information, I will have someone log into a secure site using .htaccess with a username and password. Once logged in, another PHP script will access that same MySQL database and retrieve the credit card info. Please let me know what you think! Thanks.

Someone else correct me if I'm wrong.

The information wouldn't be encrypted when it is sent over the internet to your server and would therefore not be secure (not secure enough for me).

In a secure connection, the information a user/browser sends is encrypted before it is sent out over the internet and is then decrypted by the server. Thus, it would be a secure connection from anyone with a 'sniffer'.

I could be wrong but, that's how i think it works.

John