Well you asked if Copper has inventory. Well its does but doesn't. You can add items into your Copper system but if you want a inventory setup its best too get Inventoria and you can sync up copper with inventoria. Also with your CC Company it may or mayn't, it depends if your CC Company supports one of the four online gateway systems that Copper uses which are Authorize.net, Eway, Legacy Paypal (which isn't for new accounts), and Paypal PayFlow Pro. The last two for paypal I would assume are exclusive too paypal. Eway I'm not familiar with. I use Authorize.net and works really well for me. I also really like this software, works flawlessly and the fact I can create multiple users makes it a great option.