Paymets Creditcard (no paypal)

using NopCommerence 4.10, and wondering about changing processing "pending" vs Authorization...

If the Payment method is "creditcard.manual" what difference does it make what option is selected/

Either way, wouldn't the payment stay in the system until manually processed? Or this the status merey just a signal to "Authorize" so they can take notice?

Also, regarding online payments, (no paypal account), must you have a third party gateway/bank you go though? or does Nop commerence have its own default one?  or is this up to the user, and Nop commerence just supports payment methods only.

In case of manual payment (i.e. no linkage to any API), the status is mostly informational. However, do note that payment status links to order status as well. When payment status is pending, order status is also pending. When you mark as paid / authorized, then order status becomes processing (assuming you are letting nopCommerce run through it's own logic / mechanism, instead of manually changing order status).