Help!!! Credit card payments for customers

Hi,
Can anyone help me please? I currently have only the pay pal option and would like to add credit card option to payments for customers without changing my currency to US . Is this possible?

Also pay pal sent me an email saying I have received a pending credit card payment (this is the reason I am adding the credit card payment option). How do I access this payment?, I've already upgraded my account to premier but i still cant see this payment?..
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