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payment using Visa

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When customers want to pay using visa you must activate theis payment-method in smartstore.
But who goes that proces of paying, but you don't have to speficy the number of the visa-card of the shop-owner ? So how knows the system to which "account" he must transfer the money ?

Perhaps this is a trivial and maybe stupid question, but I really don't know.

I am using version 3.1. Does such payment runs in a secure environment ?

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