Hi,
The "credit card" payment method allows you to collect the credit card information of your customers in order to process it manually on your end with your own payment terminal.
If you want the payments to be processed automatically, you need to have them go through a payment gateway.
Your bank might propose such solution but in that case, it usually requires establishing a specific online merchant contract with them (they'll take a small percentage of your sales for that service)
The simplest is to contract with third party payment gateways like PayPal or Authorize.net. They will allow to create a merchant account with them in minutes and it's often simpler to setup than bank solutions but their percentage on sales is usually higher than your bank.
Once you have such payment processing merchant account, you can just configure the corresponding payment method in HikaShop with the merchant account credential provided by your payment gateway.
On the checkout the customer will usually be redirected to the payment gateway payment page at the end of the checkout in order to enter his credit card details and you'll have the money transferred to your merchant account, which you'll then be able to transfer to your bank account.