What's the difference between merchant account, payment gateway ?
You need to have a secure way to enter credit card info or other payment information on your website, which means that where they enter their credit card info, the URL must begin with "https" (the "s" is important, so domain is trusted and data is encrypted) and not just "http" (where everything is passed as plain text). I think you can set up credit card payments with PayPal (besides PayPal payments), but otherwise you need some sort of merchant account to handle web credit card entry and processing.
Anyone with any sense is not going to enter credit card info on an insecure website, and what would you do with that information once you got it. If you have a virtual website where one server and IP has multiple sites, the web server typically runs as a non-privileged user and if you do not know how to do suid to save it to a file that only you have permission to access, if you can access the data, anyone else on the server might be able to.
I guess a payment gateway is one form of a merchant account for handling credit card transactions:
Merchant account is permission from the bank to process cards and where/what to do with the transactions. Payment gateway just processes the transaction.
You want to accept visa…go to visa and set up an account ( you will pay for this )…
same for mastercard
same for a company that will handle debit cards
yada yada yada …the list goes on….
Not if you use PayPal
yes u need , or try with paypal