Best view in Firefox and Chrome

What is Payment Gateway

Monday, June 15, 2009
Convert Article to PDFPrint ArticleEmail Article to FrinedBookmark this Article

These days, I have to work on Payment Gateway Profile management in the Athiva project. I have to do some R&D on Payment Gateway. After some interesting R&D, I have now realized what is payment gateway and how its functioning. Here, I wanna share those knowledge with my readers. So What is payment Gateway? When ever you have an online payment issues, you need to have a relationship with a payment gateway. Thats mean if you wanna accept any online payments you need a payment gateway to do further processing. What is payment gateway? In a single word, Payment Gateway is a service that authorizes and processes payments for online retailers in real-time. The focused function of this payment gateway is equivalent to a physical POS (Point-of-sale). Payment gateways encrypt sensitive information, such as credit card numbers, to ensure that information passes securely between the customer and the merchant. Lets see how a payment gateways work. This is a simple diagram which illustrate the message flow in a typical Payment Gateway. A payment gateway facilitates the secure transfer of business information between a payment component and the Front End Processor or acquiring bank. When a customer orders a product from a payment gateway enabled merchant, the payment gateway performs a variety of tasks to process the transaction. The process behind the payment gateway is not simple that much. Further, there are two major types in Payment Gateway. One is Seamless and other one is Non-Seamless Payment gateway. Seamless payment gateway is one that processes credit cards directly on the online shop website without redirecting the purchasing customer to any 3rd party website. The whole transaction is seamless and takes place in real-time. Non-seamless payment gateway such as PayPal will redirect the purchasing customer to the PayPal website to process the payment and will redirect the customer back to the online shop after his has been completed. Here I have listed some of the important payment gateways.

GatewayCountryType Only)seamless
Banco Popular (Evertec)(Puerto Rico)non-seamless
Beanstream Payment Gateway(Canada Only)seamless
Cardia Gateway(Norway Only)non-seamless
CyberSource Gateway(most countries)seamless
DIBS Payment Gateway(Norway)non-seamless
DPS(US, UK, AU, NZ, ZA, SG, MY and Pacific Islands)seamless
DPS PX Pay 3D Secure(Hosted Solution)non-seamless
EBS(India Only)non-seamless
eSec(AU Only)seamless
EWay(most Countries)seamless
Google Checkout(US & UK only)non-seamless
HeidelPay Payment Gateway(Most European Countries)non-seamless
InternetSecure Autorize Payment Gateway(CA, US only)seamless
MIGS Payment Gateway(AU Only)seamless
Mollie(Netherlands Only)non-seamless
Moneris Gateway(Canada Only)seamless
NetRegistry Payment Gateway(AU Only)seamless
Optimal Payments(CA, USA, UK and Most Countries)seamless
PayPal Standard(most countries)non-seamless
PayPal PayFlow Payment Gateway(US, CA, AU, NZ, SG)seamless
PayPal Website Payments Pro Payment Gateway(Most Countries)seamless
RealEx Payment Gateway(Ireland and UK Only)non-seamless
Safer Pay Payment Gateway(most countries)non-seamless
Sage Pay (formerly Protx Payment Gateway)(most countries)seamless
Valitor Payment Gateway(Iceland Only)non-seamless

Read these Articles :


dave said...

Hi Shayanthan,

Nice article. My website has an animation that explains how an online payment works. which you might find useful. There is also a list of Payment Gateways who operate in the Irish market, some of whom you have already mentioned in your article.


Subanu said...

Dave, Thanks you very much for your usefull comments. Yeah!.. Your animation work to explain how an online payment works is really useful for the readers. Its simple and fantastic explanation.

Anonymous said...

It's not true that Heidelpay only serves most European countries, you can accept credit cards worldwide with heidelpay. I know that because we're just about to sign with them :D

phyu sin said...

We are now developing IPS(Integrated Portal System) web project
and flash games.Main module in IPS is e-learning and flash games are also for e-learning.We want to sell our e-learning Topic via Paypal payment gateway.But I do not know how should and I start and Integrate.When I visited in paypal official website,I feel confusing.

Please Kindly suggest me how should I do.If my question is not relevant to you,I am so sorry .

Thanks in advance.

Anonymous said...

I really like your blog.. very nice сolorѕ & theme.
Dіd you desіgn this website yοurself
oг did you hiгe somеоnе to do it for you?

Plz гeρly aѕ I'm looking to construct my own blog and would like to find out where u got this from. thank you

Stop by my blog hemorrhoids

Anonymous said...

Do you mind if I quote a couple of your posts as long as I provide credit
and sources back to your webpage? My blog site is
in the exact same area of interest as yours and my visitors would really benefit from some
of the information you present here. Please let me
know if this okay with you. Thank you!

Also visit my homepage:

Anonymous said...

I really like your blog.. veгy nice colors & theme.

Dіd уou crеate this website youгself
or did yοu hirе someone to do it for you?

Plz answеr back as I'm looking to construct my own blog and would like to find out where u got this from. many thanks

Feel free to surf to my weblog;

Anonymous said...

Dо yοu mind if I quote a couple οf уour pоsts as long aѕ I prоѵide cгedit and sources baсk to your site?
Мy blog іѕ in the very ѕame niche as yours
аnd my visitors would definitеly benefit from some of thе іnfоrmation уou present hегe.

Please let me κnoω if this okaу with you.
Τhankѕ a lot!

Αlso vіsit my website:

Anonymous said...

Awesome post.

Check out my site :: her Response

Anonymous said...

Hi there, You have ԁοne a grеat job.
Ι'll certainly digg it and personally suggest to my friends. I am confident they will be benefited from this web site.

Feel free to visit my website; Facebook para Empresas

Anonymous said...

It's really a cool and useful piece of information. I am satisfied that you simply shared this helpful info with us. Please keep us up to date like this. Thank you for sharing.

Feel free to visit my web page best acne treatments

Why Breeze

This is a new technological rhythm in the web. It blooms like a Breeze in your technological face with more than 75 technoligical atricles and guidences.

Contact Me
Contact Me Send an Email Facebook Account LinkedIn profile Twitter/Shayanth
Share And Save
Social Share with Twitter Facebook Share Add to Google Save on Delicious
Get Updates

The RSS will facilitate you to get the updates from Breeze. Click Here to redirect to the RSS link.

Designed by Posicionamiento Web | Bloggerized by GosuBlogger | Blue Business Blogger | Customized by SHAUOM