Payment Gateway


A payment gateway is a merchant service provided by an e-commerce application service provider that authorizes credit card or direct payments process.

A payment gateway facilitates the transfer of information between a payment portal (such as a website, mobile phone or interactive voice response service) and the Front End Processor or acquiring bank.

We are doing integration for all kind of payment gateway service providers to websites, mobile apps.

payment gateway is a merchant service provided by an e-commerce application service provider that authorizes credit card or direct payments processing for e-businesses, online retailers, bricks and clicks, or traditional brick and mortar.

Payment Gateways: Keeping Your Ecommerce Transactions Safe


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Payment gateways online have never been so convenient.

They’ve also never been such an important target for hackers and scammers.

Companies relying on online payment processors may get hit the hardest.

A 2018 Thales Data Security Report revealed that 75% of U.S. retailershave suffered at least one cybersecurity failure with their online stores.

In fact, Shape Security reported in 2018 that some 90% of total login attempts to online retailers’ websites were illegitimate hacking attempts.

That’s the highest percentage for any sector.

That’s why it’s important to understand that the quality of your ecommerce payment gateways helps you fend off these attacks in real-time, providing a buffer of encryption between buyer and seller.

High-quality payment gateways also help you reduce load time.

Additionally, abandonment surveys report that some of the top reasons for abandoning a shopping cart can be addressed in the quality of your gateway:

  • 15% abandon the shopping cart for a better in-store experience.
  • 6% abandon due to a lack of payment options.
  • 4% abandon due to technical issues.

With all this in mind, maybe you’re wondering: how do you select a payment gateway that will maximize convenience, minimize risk, and ensure the security of your customers’ information?

Follow up question: what’s important to know about payment gateways so that you can ensure the best and most secure payments for your customers?

Let’s get into those answers and more.

What is A Payment Gateway?

A payment gateway as a merchant service that processes credit card payments for ecommerce sites and traditional brick and mortar stores. Popular payment gateways include PayPal/Braintree, Stripe, and Square.

Think of the gateway as the metaphorical cash register in an electronic transaction.

Like any cash register, it needs to be both secure and convenient to use.

Payment gateway

Most payment gateways accomplish that in a few seconds with these steps:

  • Encryption: Between the user’s browser and the server of the retailer, a payment gateway will encrypt (encode for private use) data for exclusive use between seller and buyer.
  • Request: The authorization request occurs when a payment processor gets approval from a credit card company or financial institution to proceed with the transaction.
  • Fulfillment: When the payment gateway has the authorization, it allows the website and interface to proceed to the next action.