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E-commerce shopping carts are digital versions of physical carts, allowing customers to accumulate and purchase multiple items online, a significant advancement from early single-item payment systems. Modern carts are database-driven, enabling dynamic product management and offering features like payment processing and shipping configurations. When selecting a shopping cart, businesses should prioritize payment gateway compatibility, customization options, and support, considering both free and paid platforms to meet their specific needs.

Virtual terminals are web-based tools provided by merchant account providers that enable businesses to process payments online. Key features include payment pages for manual transaction entry, recurring payment scheduling, and reporting tools for financial tracking. Merchants should consider the features of a virtual terminal, such as user management and reporting capabilities, when selecting a merchant account to ensure efficient payment processing.