Simple Checkout - In House Processing & User Login for Wholesale Price

Hello,

I'm building a site where we want to review each order by hand to check inventory levels among other details manually before we process the order. In other words, we want to simply receive the users credit card information, not have it processed elsewhere. I am just running the checkout manager for the first time and it is asking for payment gateways, but has no option for none. Any suggestions on how to do this?

Also, at this point, I was considering adding capability for users to login - the primary reason for this is so that wholesale customers can buy at their specified prices. It is not a sweeping discounted amount through all products, but another price field in the database. Can anyone recommend a strategy on how best to implement this? I want the prices in my product tables to show up as wholesale prices when wholesale customers login.

Sincerely,
Vela