Do I need a credit card to start?

No. You can sign up free without a credit card, and you get every feature from day one.

There are no plans, no upgrades, no monthly fee and no setup fee. You only pay when a sale goes through: From 10% + $0.50 per sale, card processing included.

To take payments, you connect your own Stripe account. Stripe checks who you are before your store can take a payment. See how to connect Stripe and how the fee works.