Reply To: Payment through credit cards.

It just saves the credit card details into the database so you can manually treat them and save money in relation to the payment gateways.
For what you desire I would need a banking license in every country and it couldn’t happen in a client-side software.
Because of that there are the payment gateways PayPal, Google Wallet, Authorize.Net and 2checkout. But of course they want their piece of the cake.
Regards feryaz