Choose a payment processor or merchant account provider
Set up a business bank account
Apply for a merchant account if required
Select a card reader or payment gateway
Enable credit card payment methods
Connect the payment system to your website, POS, or invoicing tool
Verify identity and business details
Configure security and fraud protection settings
Test a small transaction
Start accepting payments in person, online, or by phone
Record and reconcile transactions regularly
Follow PCI compliance requirements
Handle refunds, chargebacks, and disputes promptly