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Having a transaction table is a definite requirement, but you may save yourself a lot of headache by letting paypal do the heavy lifting. Their api is pretty easy to use, and proper implementation mitigates a lot of the security risks and headaches involved with PCI compliance. http://www.youtube.com/watch?v=t_7GA1BZXPs is a quick example of using instant payment notifications from paypal, which gives you a way to immediately respond to a payment (by fulfilling an order, allowing a download, etc) without having to worry about protecting or storing any payment information on your server.