Oups sorry, I missed your message.
HikaShop cannot directly process payments. Like all e-commerce applications, it has integrations with payment gateways which process the payment securely. HikaShop integrates with 4 different payment gateways at the moment: paypal, moneybookers, bluepaid and authorize.net
You can contract with one of them and then configure the integration in hikashop so that hikashop will use the payment gateway's web service for the payment.
If you want to customize prices display, you can go in the menu System->Currencies. There, edit your currency. On the right side of the screen, you will be able to change the decimal separator.