On the stage of getting your online store live, you will be likely to face the problem how to accept credit cards from your customers. It is the most popular and convenient payment method over the Internet and ignoring it means losing many potential customers. The possible solutions are to process credit cards manually through the virtual terminal or to subscribe for the services of a payment gateway which will process credit cards for you. Among this kind of companies the most famous are Authorize.net, PayPal.

What are the pros and cons of each variant? By processing orders manually you do not pay for payment gateway service. You can process the orders at any time suitable for you, accept credit cards by phone, fax, etc. There are several significant benefits when using the payment gateway service: most of payment gateways have a sophisticated fraud protection mechanism which helps to avoid most of chargebacks from the customers whose credit card might be stolen by hackers. And the process is fully automated so you can save vast amount of time if you have many orders. Also some payment gateways like 2Checkout allow you to accept credit cards even if you do not have internet merchant account (it may be difficult to obtain merchant account if you have just started the business and haven't got positive credit history yet).

By using the X-Cart software you can accept payments in any currency and use many real-time credit card processing gateways. What is the advantage of the shopping cart that has support for the most of existing payment processors ? Multi-gateway support gives you ability to switch easily from one to another in case you are not satisfied with service.

On the ecommerce market you can find solutions that support only one payment gateway for example Authorize.net shopping cart, PayPal shopping cart or similar, but X-Cart is integrated with high variety of credit card and e-check gateways:

Direct Payment Solution:

• PX POST
• 3Delta Systems
• NetBilling

Other payment methods:

• WTS bank
• E-Gold and E-Dinar

Manual (offline) credit card processing Accept PayPal payments Accept checks, purchase orders and phone orders.

If the gateway you want to use is not on the list you can make an order and our team of professionals will do shopping cart custom development services for you and implement payment gateway you want.