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How in the world did your customer buy something with a credit card if you don't already have a Merchant Account and Payment Gateway set up? If you're accepting credit cards and thinking of processing them by hand, you're open to huge fines and penalties. If you have a Merchant Account already, the bank that provides it will be the one to tell you how to transfer funds out of it to another bank account. If you have a third-party payment system such as PayPal, they're holding funds in your account with them, and it's a simple matter to transfer them to your bank account.

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