On the stage of getting your online store live, you will likely face the problem of accepting credit card payments from your customers. It is the most common and convenient payment method available over the Internet. To be able to accept credit card payments at your X-Cart based online store, you will need to subscribe to the service of a payment gateway which will process credit cards for you. But how can you choose the one that is right for you? You do not have the luxury of rectifying a wrong decision. Apart from the cost of the service, you stand to lose out much more - customers, orders, fraud-related losses, integration time, time to market etc.
If your store is just starting out, you will want to keep fixed costs low. You should choose a gateway that offers its own SSL certificate free of charge, does not require installing components on your server, and does not charge excessive penalties for chargebacks.
If your store is already established, with a clear projection of sales levels, you will want to choose a gateway that allows you to use your own merchant account and your own SSL certificate and offers all the security measures and uniformity of advanced integration methods.
X-Cart also supports payments through non-credit card means, for example, PayPal. This company acts as an intermediary between users and transfers funds from one user to another by discounting the amount of the transaction from the payer’s account. This system can be useful in certain cases, although the verification procedure is quite complicated.