Yes, you can't really think of PayFloPro as PayPal. It is an actual merchant account. You obtain full credit card authorizations and can run reports to reconcile things through the API. The only thing to be mindful of is that the libraries they provide for using the APIs are pretty much either C or Java (I want to say PHP also, but I am not 100%). If you do not use the libraries I am pretty sure you can use URL strings to pass data back and forth.
I am using PayPal's PayFlowPro. They were acquired by PayPal from Verisign, I believe. It has an XML API and a url string type of API. The API contains a very convenient methodology for handling subscription payments, which is why we use them. I was not really into storing credit card information, so the recurring payment is very handy. Very good reporting API as well.
This is a very niche site. I would think that the type of people that would be into this service would be (mostly) over the age of 35. What type of marketing/market research have you done for your target demographic? Do you have an advertising campaign set up to reach your target?
You have to realize that the kind of people that would like to share restaurant experiences are probably not the same type of people who enjoy discovering the latest web 2.0 website just because it has been launched two weeks ago.