Payment Gateway

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Secure Payment Gateway

A payment gateway is the secure connection through which transactions are submitted to the banking network for authorization, settlement and reporting. Our secure payment gateway is used by businesses in the US and throughout the world.

  • Level 1 PCI-DSS processing. Exceeds the most stringent security standards for merchant and cardholder security. Military grade encryption protects your business and your customers.
  • High Volume Processing Payment gateway preferred by high volume merchants who demand best-in-class processing. Advanced technology provides 100% transaction throughput for optimal processing outcomes.
  • High Risk Payment Gateway. Favorite payment gateway choice for high risk merchants. Fraud protection, load balancing and other special features protect high risk merchant accounts and mitigate processing risks.
  • Cloud Reporting. Richly featured reporting for quick access to all transactions. Extensive management reports provide payment processing data in a variety of formats.
  • Multiple Merchant Accounts on a Single Gateway. Central dashboard controls all accounts for easy management.
  • International Payment Gateway. Both US and international merchants use the payment gateway. Multi-Currency processing is included as a standard feature.
  • Load Balancing. Automatically send transactions to different processors based on volumes, products, and other criteria.
  • Recurring Payments. Unlimited customized recurring billing plans make it easy for customers to pay you on a regular basis.
  • Fraud Protection Tools. Quickly identify good orders and decline fraudulent ones.
  • CRM / Shopping Carts. The payment gateway is integrated with most major CRM,shopping carts, and accounting systems.
  • Tiered Access. Keeps your business safe by enhancing internal security. Give employees access only to the functions needed to do their jobs.
  • Customizable Fields. Add, modify or delete fields to fit the specific requirements of your business.

Payment Gateway Keeps Your Processing Safe

What is a Payment Gateway?

Merchant accounts have two parts.  The first is the merchant account itself.  The second is the payment gateway. 

Merchant accounts are established with acquiring banks.  When your account is approved by the acquiring bank, you are authorized to accept card payments.  Part one of your merchant account is then complete.

However, you still need a payment gateway to process payments. 

A payment gateway is the connection through which transactions are encrypted and submitted to the secure banking network for authorization, settlement and reporting. The results of the authorization (approved, declined) are returned within seconds.  In addition to card processing, payment gateways can include ACH, echecks, cryptocurrency, and other forms of payments. 





How Secure Payment Processing Gateways Protect You

 The payment gateway is Level 1 PCI-DSS certified, the highest level of payment processing security available.  PCI-DSS is an acronym for Payment Card Industry Data Security Standard which is a set of requirements which ensure that all companies that process, store or transmit credit card information maintain a secure environment. 

Using a PCI-DSS certified payment gateway frees you from much of the responsibility for PCI compliance.  For example, rather than storing card information, the responsibility for PCI compliance is offloaded to the payment gateway. 

Sensitive payment data is converted to “tokens” using military grade encryption.  The tokens can be used for either one-time or recurring payments.  For merchants with recurring billing models, the tokens are stored in the secure vault inside the payment gateway and used to process the recurring transactions.  

This eliminates the need for you to store or transmit sensitive card information.  Transactions are processed safely and securely through the payment gateway.  Keeping you compliant with PCI-DSS requirements.

The payment gateway also eliminates your risk and responsibility for data breaches, which can be devastating to businesses.  Data breaches where sensitive payment information is compromised are increasingly common, as seen in the number of news reports about the problem.  Using a payment gateway is the easiest way to protect your business from loss, expense, and negative publicity.

Another benefit of a payment gateway service is reducing or eliminating costs of managing payment processing systems in-house.  The payment gateway is easily integrated with accounting systems and other platforms for exchange of data.  Productivity is increased while processing risk is eliminated. 



What is a High Risk Payment Gateway?   

Although the payment gateway is used by all types of businesses, it includes features that are particularly valuable to high risk merchants.

Businesses classified as high risk often have more than one merchant account.  Diversification of acquiring banks is a wise strategy to mitigate risk.  For example, banks sometimes change underwriting policies and decide to no longer accept certain industries.  Having multiple merchant accounts ensures that processing can continue uninterrupted.

High risk payment gateways accommodate multiple merchant accounts.  All accounts are accessible from a single dashboard, greatly simplifying management, account reconciliation, customer service, and other functions. 

Load balancing among accounts is a standard feature on the high risk payment gateway.  Load balancing enables high risk merchants to easily route transactions between different accounts. 

Load balancing on the high risk payment gateway can be completely automated. Or, you can manually control the process.  Load balance processing among all accounts.  Or set rules to send transactions to different acquirers, based on specific criteria.

How the Payment Gateway Helps Prevent Fraud

Fraud prevention is important to all businesses.  Whether you are a standard or high risk merchant, the fraud fighting tools in the payment gateway will help you identify good orders, decline bad ones, and set aside questionable ones for manual review.   

Hundreds of transaction validation tests are run on all transactions with results returned in seconds.  Extensive databases offer you extra levels of safety.  Customizable fraud-fighting rules and filters are easily modified to meet changing market conditions.  And you can establish your own parameters for accepting and rejecting transactions.

Automated tools increase approval rates while reducing costs.  Tools include:  risk scoring models; order velocity monitoring; buyers’ use of multiple payment types and brands: card verification; positive / negative consumer data from merchants worldwide; address verification; IP geolocation; device fingerprinting with packet signature inspection; telephone confirmation / reverse phone look-ups; consumer history of initiating chargebacks; internal positive / negative / review lists; accept / block strategies; methods to minimize international fraud; prevention of identity morphing; consolidated data reviews and audit trails; detect system intrusions and reconstruct events and much more.

International Payment Gateway

In addition to US acquiring banks, our payment gateway is integrated with acquiring banks around the world.  The rapid growth of global eCommerce provides businesses great opportunity to expand beyond national borders.  Buyers world-wide are eager to purchase from US merchants.  And international companies want to get more orders from savvy global shoppers.

Multi-currency processing is important for businesses that require an international payment gateway.  Buyers expect to see prices displayed in local currencies.  Keeping shoppers focused on buying rather than currency conversion makes good business sense.

Multi-currency processing is the quickest way to boost sales from global buyers.  Accept payments in 160 currencies.  Receive settlements in all major world currencies. 


Recurring Billing Automates Cash Flow

Some companies have recurring billing models.  The payment gateway accommodates an unlimited number of recurring billing plans.  This is a great option for businesses that sell memberships, subscriptions, or auto ship products on a regular basis.  And gives you the ability to offer installment payments for higher ticket items. 

Easily customize recurring payments to meet the requirements of your customers and your business.  “Set it and forget it” recurring billing continues until the end of the payment period or until the customer cancels the service.

Recurring payments can be setup for ecommerce through an API; virtual terminal for MOTO transactions, mobile devices, or batch uploads for bulk processing.


Fast, Easy Payment Gateway Integration

Feature rich API makes integration and implementation of the payment gateway a breeze. The API is available in multiple programming languages.

Companies with special payment processing requirements save time and reduce costs with free access to the developer’s library. Take advantage of developer applications that can be quickly customized to fit your exact payment processing needs.

The payment gateway is integrated with most major CRM, shopping carts, and accounting systems.  It can also be integrated with your business’s internal systems.  Easy exchange of data between platforms boosts productivity.  And simplifies management of payment processing data. 


Who Uses Payment Gateway Services?

Secure payment gateways are used to process payments received through all sales channels. 

  • Ecommerce merchants use payment gateways to accept online orders.
  • MOTO (mail / phone orders) are processed through virtual terminals. Unlimited virtual terminals are included with your secure payment gateway.
  • Apps, software, and business applications seamlessly integrate with the secure payment gateway.
  • Mobile payments are accepted through the payment gateway.
  • Retail locations use payment gateways instead of card terminals at point of sale.

Put Our Secure Payment Gateway to Work for You

Transaction Security

Exceeds the strictest compliance requirements for payment processing, Full audit trails ensure the integrity of the processing platform


Safeguards your business against fraud, security breaches, money laundering, compromised data, and unauthorized activities

Enhance Internal Security

Detects intrusions, reconstructs events. Strengthens employer security and user accountability.

Full-stack eCommerce API

Fast connection of processing services to your websites. Integrate payment processing data with your internal systems

Virtual Terminals

Accept MOTO orders securely.

One-time & Recurring Billing

Set up an unlimited number of recurring payment plans for your customers

Cloud Reporting

Immediate access to all the data you need to manage & control your accounts

Account auto correction

Send billing reminders, receipts, & more to your customers

Customize Payment Forms

Easily modify forms to meet the requirements of your business

Multicurrency Processing

Get more sales from international buyers

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Contact us at 888-5-PAYNET