Accept Visa®, MasterCard®, American Express® and Discover® for your products and services within 24 hours. Apply today for your own credit card merchant account by using our online application and pay No Application Fee and No Set Up Fees! Zen Cart® has teamed with National Merchant Bancard to bring you the ease and convenience of credit card acceptance for your business. Their credit card processing services include the Authorizenet Payment Gateway (which is fully integrated into Zen Cart®).