--- title: About Real-Time Credit Card Processing description: About Real-Time Credit Card Processing --- [Skip to content](https://productcart-kb.nsource.com/kb/about-real-time-credit-card-processing2#main-content) [![pc\_logo](https://productcart-kb.nsource.com/hs-fs/hubfs/pc_logo.png?width=162&height=75&name=pc_logo.png)](https://productcart.com/) Open main navigation Close main navigation - - [Contact Support](mailto:help@productcart.com) [Contact Support](mailto:help@productcart.com) How can we help you? - There are no suggestions because the search field is empty. 1. [ProductCart Help Center](https://productcart-kb.nsource.com/kb?hsLang=en) 2. [Payment Options](https://productcart-kb.nsource.com/kb/payment-options?hsLang=en) March 5, 2024 # About Real-Time Credit Card Processing With ProductCart you can accept **credit cards** on your store by setting up either a real-time or non real-time payment option. The following is a brief overview about real-time credit carding on the Internet. When credit cards are processed in real-time on the Internet,credit card information provided by the customer during checkout process is typically passed to a service service called a “payment gateway”. Payment gateways connect the online store with a credit card processor, on one side, and with your bank on the other side. There are a number of payment gateways that offer a different array of services. One of the most important things to look for in a payment gateway is whether or not the payment gateway allows you access to a secured area where you can manually void and refund previously processed credit card transactions. This will help you in handling fraudulent orders, as well as returns or cancellations. Another feature to look for is whether a payment gateway allows you to authorize, but not capture funds. As explained later in this chapter, this feature can be extremely useful when combined with the order editing and batch processing features that are part of ProductCart. To Process credit cards in real time you will need: - A *business bank account* - A credit card merchant account. Your bank or gateway that you sign up with will help you get a merchant account. Note that credit card companies often handle online and offline credit card processing accounts separately. So even if you already have a merchant account that, for instance, is being used to process credit cards at your retail location, you will have to apply for an additional merchant account (for your Internet store). - An *account* with a *payment gateway*. Some credit card processors also act as a payment gateway, in which case you would not be required to take this further step. Usually, your Merchant Account Provider will already have a relationship with a payment gateway. ProductCart supports a number of payment gateways Typically, payment gateways provide merchants with an administration tool to setup the account, view past transactions, process refunds, add new charges to a credit card account, etc. Inquire with your payment gateway about such a service. You will not be able to perform tasks such as processing a refund through ProductCart’s Control Panel. You will have to perform those tasks by using the payment gateway’s administration tool. For example, funds are not automatically refunded when an order is returned or cancelled.   - [Managing Your Products](https://productcart-kb.nsource.com/kb/managing-your-products?hsLang=en) - [Managing Orders](https://productcart-kb.nsource.com/kb/managing-orders?hsLang=en) - [Managing Customers](https://productcart-kb.nsource.com/kb/managing-customers?hsLang=en) - [Getting Started](https://productcart-kb.nsource.com/kb/getting-started?hsLang=en) - [Apparel Add-On](https://productcart-kb.nsource.com/kb/apparel-add-on?hsLang=en) - [Upgrading ProductCart](https://productcart-kb.nsource.com/kb/upgrading-productcart?hsLang=en) - [Change Logs](https://productcart-kb.nsource.com/kb/change-logs?hsLang=en) - [Store Settings](https://productcart-kb.nsource.com/kb/store-settings?hsLang=en) - [Security](https://productcart-kb.nsource.com/kb/security?hsLang=en) - [Shipping Options](https://productcart-kb.nsource.com/kb/shipping-options?hsLang=en) - [Payment Options](https://productcart-kb.nsource.com/kb/payment-options?hsLang=en) - [Tax Options](https://productcart-kb.nsource.com/kb/tax-options?hsLang=en) - [Advanced Technical Articles](https://productcart-kb.nsource.com/kb/advanced-technical-articles?hsLang=en) - [Pages](https://productcart-kb.nsource.com/kb/pages?hsLang=en) - [What's New In ProductCart](https://productcart-kb.nsource.com/kb/whats-new-in-productcart?hsLang=en) - [Marketing](https://productcart-kb.nsource.com/kb/marketing?hsLang=en) - [How To's](https://productcart-kb.nsource.com/kb/how-tos?hsLang=en) - [Google Analytics](https://productcart-kb.nsource.com/kb/google-analytics?hsLang=en) - [QuickBooks Sync](https://productcart-kb.nsource.com/kb/quickbooks-sync?hsLang=en) - [Default](https://productcart-kb.nsource.com/kb/default?hsLang=en) - [Configurator](https://productcart-kb.nsource.com/kb/configurator?hsLang=en) - [SEO](https://productcart-kb.nsource.com/kb/seo?hsLang=en) - [Mobile Commerce](https://productcart-kb.nsource.com/kb/mobile-commerce?hsLang=en) - [Troubleshooting](https://productcart-kb.nsource.com/kb/troubleshooting?hsLang=en) - [Customizing Your ProductCart Store](https://productcart-kb.nsource.com/kb/customizing-your-productcart-store?hsLang=en) - [ProductCart Apps](https://productcart-kb.nsource.com/kb/productcart-apps?hsLang=en) - [Hidden Topic](https://productcart-kb.nsource.com/kb/hidden-topic?hsLang=en) - [Reports and Exports](https://productcart-kb.nsource.com/kb/reports-and-exports?hsLang=en) [![ProductCart Logo](https://productcart-kb.nsource.com/hs-fs/hubfs/pc_logo.png?width=200&height=93&name=pc_logo.png "ProductCart Logo")](https://netsourceinc.com) NetSource Commerce, Inc. **|** Headquarters - 3700 South Pine Avenue, Ocala, FL 34471 **|** Tel [(800) 709-3240](tel:+8007093240) **|** Fax (352) 401-0353 [mailto:help@productcart.com](mailto:help@productcart.com) Copyright © 2026, NetSource