The current OpenCart version supports many established payment systems, including PayPal services, Authorize.net, Moneybookers, 2Checkout to name a few.
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A payment gateway is an online analogue of a physical credit card processing terminal that can locate in retail shops. It is more like a bridge working in the middle of an online store and credit card network.
There are two common methods for uploading files to a web host; using cPanel File Manager Utility & using an FTP Client.