RE: Os commerce shipping & payment modules

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the CC module allows you to accept credit card numbers from the customer to manually punch into a credit card machine at your shop. If you want to do it through the internet automatically, you need to get set up with a "payment gateway" company. They only do the verification to make sure it's a valid card as much as possible and then passes the charge to your merchant account. You need both a credit card merchant account as well as the payment gateway account (usually separate companies).

for instance, Authorize.net is a payment gateway. You need a custom modification for each different gateway company but they all tend to work similarly, so you should be able to modify one of the existing ones if your gateway company isn't supported yet.

your last question about split payments on different cards has been asked before but I don't think there is a solution for this. Search in the Contributions forum and see if there's anything there.

Hope this helps

-al