Hi all!

I am starting an online graphic design studio through which i will be targeting people in US, UK, Canada and Australia. I have put up my website and now need to have a payment gateway to accept payments from customers. I am new to this and am very confused about many things!!Would be grateful to anyone who can answer any of my queries


Does one necessarily need a merhant account before putting up a payment gateway? Or can the money get transferred to my personal account through the payment gateway?


Please suggest some names of secure and cheap payment gateway provider except Paypal that would enable me to accept major credit and debit cards of US, UK, Australia and Canada?


Best Regards
Radhika