Merchant Accounts & Mals-e
In order to accept credit cards you must have a merchant account. Mals-e is the shopping cart only, not a merchant company. You will need to set up an account with a merchant company of your choice. You can accept credit cards in one of three ways.
A.) Processing Credit Card Orders Automatically (requires premium Mals account & merchant account)
If you have a merchant account (outside of Paypal) and your merchant company processes credit cards automatically for you, then you will need a premium Mals-e account in order to use that merchant account. You will need to log into your Mals account and set up the payment gateway that your merchant company uses. The fee for the premium Mals account is $8.00 per month paid directly to Mals.
B.) Processing Credit Card Orders Manually (free Mals account)
If you have a merchant account (outside of Payapl) and your merchant company offers you a virtual terminal to process credit cards manually, you will need the free Mals-e account in order to use that merchant account. You will need to log into your Mals account and put in which credit cards you accept. You would then take the credit card info from a customer order (find this info under Payments in your Mals account) and process the order manually through your merchant company's virtual terminal.
C.) Accepting Credit Cards via Paypal
If you plan to accept credit cards and use Paypal as the processing company, you don't need to set up anything in your free Mals account other than what Paypal address you use for Paypal. All credit card processing through Paypal is done through the Paypal website and not at all within settings in your Mals account (other than what email address you use for Paypal).
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