Re: Client want to be able to take deposits via website!
Crankydave has it right, you need a merchant account and gateway account. A shopping cart makes the coding easier (you can have "products" that represent different levels of deposit- Deposit for wedding type1, type 2, deluxe, etc) but is not necessary.
Most gateways have provisions where you can collect the data and send it via an HTTPS POST with hidden variables. Gateways also offer "hosted" payments, where you collect all the info EXCEPT the credit card data, and the gateway opens a window to take the credit card data. The former requires you to have an SSL cert, the latter does not. Popup blockers can make the latter method problematic.
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