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Do I need a merchant account?

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With WebinarJam or EverWebinar, you will still need your own payment processor, such as Paypal, or a merchant account/shopping cart system.  
WebinarJam works with a shopping cart simply by forwarding your buyer to a checkout page (in Paypal, your site, or your cart) and the shopping cart software forwards them back into the WebinarJam system post purchase.  
Providing whatever solution you are using can accept a custom URL for the thank you page of your sales, we will integrate with your shopping cart.