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Steps neeed to process credit cards?


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What steps are needed to process credit cards, i'd like the funds to go in my bank.

 

here's what i know.

 

1. i enabled the proper payment module

2. have SSL 128 cert.

3. need to get a merchant account...

 

what else do i need to have / do?

 

I was assuming that the merchant account would take care of all the credit card transactions and transfer the funds to my account. is this how it works? i've seen people mention gateway provider.

 

What am i missing?

 

thanks,

Les

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