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You need to have a merchant account, which is provided by a bank, and a payment gateway that interacts with that merchant account. You'll want to check with the bank to validate that they have integration capability with the gateway you plan to use. Paypal, and other similar services, simply lump the merchant account and the gateway into a single service. A well known gateway is Authorize.Net. All that being said some things may work differently in other countries.

 

Summary:

 

Your website -> Shopping Cart -> Checkout -> Payment Gateway -> Merchant Account

 

From here a response code gets sent back saying if the transaction was successful or not.

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