Online installment arrangements are turning our economy into one dependent on credit. People prefer utilizing credit cards over cash since cards are more convenient to carry than large sums of money. Businesses are also shifting to online payment systems, eliminating cash acceptance from customers. Online payment allows for quick, easy, and hassle-free transactions without needing cashiers. It also provides secure payment through credit card verification and encryption of transferred data. Online payment systems benefit businesses through PCI compliance, 128-bit encryption, and ease of handling cash flow without manual collection from customers.