Payment modules allow you to collect or arrange payment for an order.
The list of available payment modules may be seen by going to Admin > Modules > Payment.
Zen Cart has a number of built-in payment modules which allow you to charge for your order in various ways:
Zen Cart also integrates with a number of payment vendors using plugins:
More payment plugins may be found in the Payment module plugins area.
Developers wishing to create a payment module should see the dev FAQs on modules.
In your post, please include your Zen Cart and PHP versions, and a link to your site.
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