Hi Sorry, wasnt poking fun at you.
Maybe it gets a bit frustrating when i see so many questions that are kinda obvious / in the manual or been covered a hundred times and people are not searching.
not saying that you are in any of those gangs but you know what i mean ...
So here you go
xcart 4.x.x
admin / payment methods / first option in the list is credit card
check that and you should be good to go
It does not say manual processing in this version .... Ill give you that.. It used to im sure