Many new users ask about the payment module options.  osCommerce and CRE Loaded can work with many merchant account providers.  CRE Loaded comes installed with several major gateway options.  For those who want to complete credit card processing manually through a machine or other gateway interface, you can still do this in osCommerce.

From the Modules > Payment menu option in the osCommerce CRE Loaded admin menu select "Credit Cards".  This option will record the credit card details during the check out process.  You can collect the information from your store's admin and process the payments manually.