The next level includes the incoming of a Payment Gateway Service Provider who has the authorization for accepting credit card on behalf of the merchant. This can be any Bank or Authorized Company which is allowed to accept and process the credit cards online. For enabling secure transactions they provide us with the payment gateway software that needs to be integrated with the website. These providers are certified by Digital Certified Authorities like Verisign, Pay systems etc. which build trust among buyer and can transact safely.