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In the modern world, the internet has become an important part of human life. In our present lifestyle as humans, it is quite difficult for us to conduct the majority of our daily routine activities without the internet. The modern business regime is overly dependent on the internet for daily proceedings. According to some reports, 24% of retail purchases are expected to take place online by 2026. The online purchasing or e-commerce industry is expected to grow 11.2% in the upcoming four years, according to the insights of EcommerceDB. At present, the majority of online buyers pay using digital wallets (some 49%), reports the FIS GPR 2023, but the majority of the users among them are from developing nations such as India, Indonesia, Vietnam, the Philippines, etc. On the other hand, cards are combined responsible for 32% of the e-commerce payments, and from this number, the major chunk is credit cards at 20%. Because of this, credit card payment processing, or better to be called internet credit card payment processing due to the online payments, has become a very important tool for e-commerce merchants. If they want to thrive in the online business arena.