This is a very basic question... Offline processing seems like the way to go for my client's store. (A photographer who sells custom posters and photos.) They already have a merchant account/terminal they'd like to use. With offline processing (here's the basic part), do they need to use one of the FoxyCart supported merchant accounts? Or can they use any merchant account?
From what I gather in another thread, the credit card info is encrypted and stored on the FoxyCart server, to be accessed by the store owner later on. And one downside is that some merchant security features are bypassed.