Seak, Teng-Fong wrote:

>     I'm not a PHP programmer.  I ask this question for a friend of
> mine.  So I'm not sure if I'm using the correct terms.  He's making an
> e-commerce website and he doesn't know much about how to validate credit
> card, or how to make transactions.  What he needs is called "banking
> gateway", right?

a couple years ago I did some research and while I'm not Sure who the
players are right now, I concluded it was not worth the effort. We
concluded it was better to subscribe to a credit card clearing service.

They provide a basic API that allows you to pass a billing amount to the
clearing service who, for a fee or percentage, process the credit card. You
never Have to deal with it, they just credit your account and you ship
goods.

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