I went to the modules/payment to set up the payment gateways but still don;t know how to do it. Sorry, it is my first time.....

I even don't know how to use gateways?

1. If I want to use Authorize.net, what should I do? Do I need to set up a merchant account in my bank?

2. If I choose "credit card" on the payment modules, what should I do next?

3. What is "the Zencart FREE CHARGE CARD"?

again, very sorry, I am a complete beginner. Thanks for your help!!!