Member Avatar for hivenk

Hi friendz,

Currently i am developing a site the client doesn't requires an payment getway to
integrate here.

Is it possible to do the credit card processing without payment gateway. If so can you please help me how to do it.

thank you for your help

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  • Latest Post Latest Post by CreditCardBiz

Dani AI

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As and hinted, you can accept card payments without a fully integrated, real‑time processor on your site, but doing so shifts almost all of the risk and compliance work onto you. The key point not yet expanded on here is scope: once your app collects, stores, or transmits cardholder data it becomes subject to card‑brand security rules and audits. That is the hard constraint you cannot sidestep by clever PHP tricks.

Practical, developer‑level guidance:

  1. Prefer solutions that keep raw card data off your servers (hosted forms or client‑side tokenization) so your site never handles PANs.
  2. If card data must be captured for later processing, treat it as highly regulated data: strong field encryption, strict key management, role‑based access controls, detailed audit logs, regular vulnerability scans and annual penetration testing. Do not store sensitive authentication data after authorization.
  3. Define operational controls for offline capture: documented procedures, staff training, reconciliation and chargeback handling, and a retention/deletion policy.

If the client insists on an in‑house route, budget for compliance: a Self‑Assessment or a Qualified Security Assessor will be needed to determine exactly what work is required and which SAQ applies. Manual, batched or out‑of‑band submission methods reduce some technical integration, but they do not remove security or legal obligations.

For authoritative details on what must and must not be stored, and on how to reduce your PCI scope, see the PCI Security Standards Council and a payments provider security guide for examples of hosted/tokenization approaches:

This expands on points from and by focusing on the compliance, operational and developer actions you should take before building any offline card workflow.

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Member Avatar for Vai

First and formost,
Any credit card processing requires:
1: some kind of bank account
2: Payment gateway
3: SSL
You can use Paypal.com in some countries for a fee to process cc payments.

Member Avatar for CreditCardBiz

Hello, If you dont want to have real time processing this is possible. orders would need to be keyed in manually through a virtual terminal. The only way to have real time/integrated processing is to have a gateway
Sean
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