This add-on allows user to automate the acceptance of payments by Credit Card for customers who prefer that type of payment to sending of checks or money transfer at the end of each day, week or month. This enhancement only affects the Accounts Receivable module. Customers in the system are first designated as CC payers. As the process is initiated by user the program automatically scans customer database for such customers. Once located, the balance owed is calculated, and then using PC Charge or IC Verify, the program connects, initiates money transfers, much like when using a CC processing terminal, and as soon it receives approval, makes a payment entry in Z-Bake. It applies payment to each invoice owed.