If I signed up with auction (3rd party checkout) it will be compatible with CCNOW. Do I still need a merchant account or a virtual gateway? I am really fed up with Paypal. My business is not blooming the way it should because my funds are limited thus the business isn't growing the way it should be.
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Well true not really full blown but a virtual gateway is like a shopping cart, etc. - you need to have another service to process payments. CcNow does that - accepts paypal and cc so in that respect it is a processor.
I get what you're saying though pod but what you are referring to is quite detailed =)