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I haven't decided which module to use yet. It is for a client's website and she doesn't want to spend much money or use a payment gateway. If I could get her to use one, this wouldn't be an issue. Thank you for the information, though.
I guess I will have to create a webpage outside XOOPS that the customer is directed to for entering their creidt card information.
FYI
Yes, I have tried explaining to my client that this is not a good way to do business, but she feels it "looks" more professional than using a payment gateway.