Here’s another excerpt by Randy Charach on MybizKit

The credit card number is encrypted as it flies through cyberspace so no bad boys and girls can intercept it along the way. This is a process called PGP, or Pretty Good Privacy. Hahaha That term always cracks me up. I think I’d rather have Darn Good Privacy, or Invincible Privacy, but PGP is all we have at our level and it has shown to be Darn Good Enough. After the transaction is complete, in sometimes as little as five seconds, you either get an email regarding shipping the product, or the customer gets a link to download the product directly. And that’s all there is to it. I’ve simplified it considerably, but believe me, you don’t want to know all the details. You just want it to work!

AGAIN I WANT TO EMPHASIZE — Your shopping cart system is separate from your merchant account and from your real time processing mechanism. The shopping cart must connect to the credit card system, but it is a separate system. If you need a merchant account I will tell you later how to get one in about ten minutes for $199.00