Providing on-line, non-downloadable point of sale web-based business management software for retail stores to manage, replace and order inventory, charge customers credit cards or checking accounts using an integrated credit card processing system, track sales using daily and summary reports, market and analyze customers and develop automated marketing campaigns, customize gift cards, sell products, services or gift cards through an on-line store, calculate commissions and pay rates for employees, and run reports on top selling products, suppliers and employees