There are payment modules included in the distribution for a few gateways and others available as 3rd party modules in the download area
The tutorials link above right has some explanation
I searched for "payment" and this is one of many results
https://www.zen-cart.com/tutorials/i...hp?article=373
ZenCart is php based but IMO written well enough that one does not need to accomplished in php to be able to operate
The tutorials cover the most common alterations/customizations required to create a cart with a unique look
The backend(admin) features provide for most entry and management functions in a menu driven interface - so again no php required
Only if you MUST have a feature that is not built in would one need a certian competance in php to be able to code it....
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