Friend dsiperi
Most companies in the United States are using a Merchant Account and processing credit cards through a payment gateway such as Authorize.Net. You can also use PayPal or 2Checkout if you prefer. However, I would recommend Authorize.Net due to the lower fees.
You could use .htaccess or you could also use APF if you are the server administrator. If your utilizing CPanel you can login to cPanel and protect the directories there.
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