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You need a gateway to have your transactions authorized.
The pieces are a merchant account
store software of some type
a merchant account
a Bank account
If you are doing hardgoods not subscriptions and have good credit you should have no problem getting a nomal merchant account at a minimum cost. There are multiple gateways you can select, some companies like CSI will allow free use of their gateway if your account is through them. CSI will NOT allow adult but they are massive for mainstream.
If you want some contacts for accounts or gateways drop me a note
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