Payment Gateway

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What is an Internet Payment Gateway?

The payment gateway is software and network service that operates between your Web site and the bank authorization systems. The Internet payment gateway is the Internet equivalent to the credit card swipe terminals used in your local retail stores.

The job of the payment gateway is to capture, secure, and communicate the credit card and billing information to the bank credit card authorization systems. Let's look at this process in more detail.

Step 1: Capture & Secure Credit Card Information - As soon as your customer inputs their billing information into your Web site the payment gateway software captures this data . Next the payment gateway software secures the credit card information by scrambling or ENCRYPTING (click here for more about encryption) the credit card and customer related information so it can not be read by anyone else but the bank authorization systems.

Step 2: Transmission: Once your customer's credit card data is secured, the payment gateway software transmits the data through the internet to it's private processing network. The credit card data is merged with additional information such as your Merchant ID Number. Now the data is passed through a connection to the bank authorization systems where the card validity and available credit is verified.

Step 3: Bank Authorization Response: Finally, the bank replies to the payment gateway with an authorization or decline response. The payment gateway then passes this response back to your Web site where it is ultimately displayed to your customer. The payment gateway stores all of your transaction history into a database that you can access online for reporting purposes.

For information on where the funds from your credit card sales go, please see the section on Merchant Accounts.

Internet Payment gateways are typically offered as a fee based service by Internet Payment Gateway providers. These companies charge a set-up fee of around $150.00, a monthly service fee of around $30.00, and a per transaction fee of around $0.25. Recently, some Merchant Banks have been offering the payment gateway service as part of their merchant account service package.

Do you need want to accept credit cards online? Apply for an Internet Merchant Account and Complete Ecommerce Solution Now. You will be directed to Charge.com, the best prices and online set-up service we have found for Internet Merchant Accounts. $0.00 Application Fee, includes payment gateway, virtual terminal for phone orders, ability to accept checks, shopping cart software and most accounts are set-up within 24 hours of submission of this short online appliation.Get started - Click here.

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