When the PayPal Powered by Braintree Payment is enabled a customer can choose it at checkout to pay the order. Braintree allows customers to submit the CC data directly on your X-Cart site and this data will be processed securely.

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Also Braintree allows saving credit card tokens for further use and a customer can choose a saved card to pay the order:

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Customers can manage their saved cards in the Braintree credit cards tab when logged in in the customer’s account in the X-Cart storefront:

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