You can accept payment in a variety of ways, visa, mastercard, discover, amex, paypal, e-checks and more. When an order comes in it arrives in your e-mail inbox payment pre-authorized. You prepare the customers order and complete it by sending or providing the service, download whatever. You then log into your merchant account admin console and capture your orders (this puts them in the batch which can be submitted manually or set to auto batch at midnight. You receive a successful settlement e-mail and in about 3 biz days the money appears in your bank account some banks may be quicker to clear the funds. Everything is really easy to admin, is very optional setting friendly and has a virtual terminal for entering in phone,  mail order or physical card presentation info. After processing a couple sales you are pretty much an expert it is that easy! Easy as 123E-Commerce.com!