Payment Gateway
A payment gateway is a technology service that enables merchants to accept payments from customers. Acting as a secure intermediary between merchants, customers, their acquiring and issuing banks, card networks and payment processors, payment gateway collects, encrypts, authorizes and facilitates electronic payment transactions for online and in-person businesses.
PSP Payment Gateway
PSP Payment Gateway is offered by Payment Services Providers (PSP), also known as Payment Facilitators (PayFac). This payment gateway works with a Master Merchant Account owned by the Facilitator and typically acts as tightly integrated, all-in-one payment platform.
PSP Core Features
Accept payments from online customers around the world. Provide smooth, reliable and secure customer experience.
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Online Payment Processing
Accept online payments from credit cards, debit cards, ACH, and smartphone wallets.
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Multicurrency and Regional Pricing
Increase revenue by tailoring region-specific pricing and displaying prices on the payment form using the customers’ native currency.
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Payment Methods
Accept wide range of global payment methods for online transactions, including credit cards, debit cards, direct debit (including European-compatible options like SEPA), bank transfers, and digital wallets.
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Payment Flows
Design and control unique customer paths through the payment process, including redirects to custom approval or denial pages.
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Payment Tokenization
Safeguard payment details collection and exchange by securely converting sensitive information to randomly generated strings (tokens) with API and FlexForms.
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Payment Cascades
Mitigate risk and reduce cart abandonment by redirecting customers to other payment processors when specified conditions are met.
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Embedded Payment Forms
Accept payments directly on your website or mobile app so your buyers don’t have to leave your platform. Ensure the best customer experience and low abandonment rates.
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Hosted Payment Forms
Start accepting payments with FlexForms in minutes. Customize the Payment Flows for optimal checkout experience and utilize underlying feature-rich payment platform.
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Dynamic Pricing
Create new pricing options on-the-fly by passing variables directly to the payment form. Single and recurring prices are supported.
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Proprietary Solutions for High Risk
Utilize industry leading portfolio of fraud protection and risk mitigation tools including V-Scrub, Web Verify, and Velocity Controls. Trained on billions of high-risk transactions in the past 25 years and fine-tuned for maximizing revenue and merchant safety.
PSP Security Features
Protect sensitive payment and card information collected online. Build trust and confidence with your customer base.
- Triple DES Encryption for Data Exchanges
- Secure data exchanges with triple DES encryption and unique encryption key (salt). This key is essential for integrating with third-party solutions and for advanced features like Dynamic Pricing.
- PCI DSS Compliance
- Being PCI DSS Level 1 compliant payment services provider demonstrates our ability to successfully manage security and risk on a scale – with huge transaction volumes from diverse industries, business verticals, and merchants. Being PCI DSS compliant since 2002 shows our long-term dedication to security, continuous learning, rigorous procedures, and excellence in technology adoption.
- Strong Customer Authentication
- Required by revised Payment Services Directive (PSD2) for online payments, 3DS 2.0 allows background data exchange for a seamless buying experience, including storing card information for future purchases, and can lead to lower chargeback rates for EU-based cardholders.
- Secure Data Storage and Encryption
- Safely store consumer personal information on secure servers using 128-bit encryption with Secure Socket Layer (SSL) technology.
PSP Fraud Protection
Defer bad actors, manage friendly fraud, and ensure legit customers can make purchases.
V-Scrub Authentication
Prevent fraud effectively with award-winning V-Scrub fraud shield to minimize the risk of chargebacks. Consumer information is proactively analyzed to determine its validity, rather than to solely rely on a negative database.
Web Verify
Allow customers to contact Consumer Support team to manually verify their soft-declined transaction, especially if flagged for reasons like traveling or using a prepaid card. Increase successful sales while maintaining high security standards and reducing the risk of fraud and chargebacks.
Basic Verification Services
Verify the cardholder's billing ZIP code through Address Verification Service (AVS) and ensure the cardholder is in possession of the credit card. Reduce chargebacks and fraud-related losses in Card Not Present (CNP) transactions or Internet orders by utilizing Card Verification Value (CVV/CVV2).
PSP Risk Management
Ensure good standing of your merchant account with our advanced tools and a dedicated risk team.
- Velocity Controls
- Limit customer transactions by the number of transactions and/or by cash amount within a specific timeframe. Manage risk and allow loyal customers to make purchases beyond established limits on an individual basis.
- Web Validation Rules
- Better address local age verification laws by allowing “soft declines” based on card types, card association (brand), and country.
- Negative Database
- Utilize negative database that blocks consumers who have filed for chargebacks, making it unlikely for them to gain access again.
- Proactive Risk Analysis
- Ensure compliance with Visa Acquirer Monitoring Program (VAMP) and Mastercard Excessive Chargeback Program (ECP) with our dedicated Risk team which monitors and mitigates high-risk merchant activities.
- Card Testing Protection
- Maintain compliance with Visa Acquirer Monitoring Program (VAMP) by using network level script that alerts our Risk team.
PSP Recurring Billing
Optimize rebilling process to minimize churn and maximize recurring revenue from your subscribers.
- Subscription Management
- Maximize your recurring revenue with our powerful billing engine. All major subscription business models are supported: memberships, pay-as-you-go, tiered plans, or per user seat.
- Account Updater
- Enhance the rebilling process with Account Updater – automatically extend subscriptions with expired cards and refresh card-on-file information. In case of insufficient funds, our proprietary tools will repeatedly try to charge the card.
- CCBill Pay
- Enable customers to store up to 25 payment methods, including payment cards and ACH Online Checks, for faster and more secure checkout experiences.
- Advanced Dynamic Upgrades
- Upgrade existing customer subscriptions to new pricing plans without requiring pre-configuration in the system or re-entry of payment information by consumer.
- Loyalty Discounts
- Implement loyalty discounts (on signup or approval pages) and cancel discounts (on cancellation pages) to enhance consumer retention.
PSP Other Features
Utilize additional set of tools for various aspects of day-to-day business operations.
Reporting
Monitor performance, analyze data, and gain insights about transactions and business operations with our robust reporting system. Use various pre-built reports for vital transaction statistics, including sales, earnings, cancellations, scheduled rebills, form hits, processing fees, and reconciled amounts. Inquire Lookup Reports to search for specific customer subscription details using various criteria and perform actions like refunds or voids directly from the report.
Datalink Extract System
Access raw transaction data from our backend database for custom reporting or integration with your systems. Automate data collection and analytics tasks. Keep sales information up-to-date and ensure data consistency. Maintain historical transaction data records.
Customizable Transactional Emails
Personalize automated emails sent to customers and receive notifications about various transaction statuses. Modify default templates for each consumer and merchant email type. Email templates include Approval, Denial, Cancellation, Upgrade, Failed, Expired Single, Expired Recurring, Lifetime, and Affiliate Sale.
PSP Integrations
Plug in your tech stack components to our payment platform. Benefit from flawless automation, enhanced operation, and new business insights.
- Vetted Integration Partners
- Connect technology gaps using the best solutions the industry offers. Reach your goals faster and easier with seamless integrations from our technology partners.
- WooCommerce
- Utilize integration with one of the biggest ecommerce platforms. Customize payment flow and checkout UX. Accept individual and recurring transactions.
- Vrio
- Utilize integration with a headless ecommerce platform. Customize payment orchestration, order routing, and checkout UX. Accept individual and recurring transactions.
PSP Developer Resources
Improve developer productivity and satisfaction with modern technology environment, useful tools, and clear documentation.
Documentation
Explore developer friendly product documentation, knowledge base, and test environment resources. Easy to understand guides for proper setup, smooth integration, and seamless operation.
Webhooks
Employ event-driven push notification system to receive real-time alerts about specific events important for your business. Get notified about chargebacks and refunds as they happen so you can act accordingly.
API
Code custom solutions, automate tasks, and directly interact with our billing engine. Programmatically define payment flows and utilize secure tokenization for actions such as approving, upgrading, canceling, or discounting subscriptions.
Not sure which payment gateway is the right fit for your business?
Talk to our payment experts.
ISO Payment Gateway
ISO Payment Gateway is offered by Independent Sales Organizations (ISO), also known as Merchant Services Providers (MSP). This payment gateway works with a Merchant Account owned by the Merchant and typically acts as modular, pick-and-choose payment platform.
ISO Core Features
Accept payments from in-person and online customers around the world. Provide smooth, reliable and secure customer experience.
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All Sales Channels
Accept online, in-store, self-service and mobile payments from credit cards, debit cards, ACH, smartphone wallets, and other payment methods.
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Virtual Terminal
Get MOTO transactions by keying in payment details in a browser for phone and mail orders.
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Multiple Currencies
Take payments in USD, CAD, EUR, GBP, and many international currencies to increase revenue by using customer’s native currency on the payment form.
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QR Codes
Create payment links as QR codes to utilize benefits of contactless payments in retail. Consumers don’t have to download an app or sign for anything to use them.
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All Major Payment Types
Enable payments from Visa, Mastercard, Discover, American Express, Diners Club, China UnionPay and JCB, along with mobile payment services such as Google Pay and Apple Pay, and many local payment methods.
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Hosted Payment Pages
Quickly start selling with hosted payment page and payment button generator. No need for ecommerce website, shopping cart or complex integrations. Suitable for merchants with limited number of products.
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Recurring Billing
Set up recurring payments simply and easily with powerful billing engine.
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Transaction Routing
Define routing directives to automatically route transactions to appropriate MIDs under a single account.
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Multiple MIDs
Manage multiple Merchant IDs on a single account. Consolidate reporting, manage branches, organize products and streamline business operations.
ISO Security Features
Protect sensitive payment and card information collected online and in-person. Build trust and confidence with your customer base.
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Advanced Payer Authentication
Protect your customers as they shop online with secure checkout protocols verified by Visa and Mastercard.
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Terminal Management System
Remotely manage your payment devices, including firmware updates required for security or continued EMV compliance.
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Encrypted Devices
Upgrade your encrypted payments with Swipe POS Software, Customer-Present Cloud or your own app.
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Advanced Fraud Protection
Enhance fraud protection with proprietary tools for global data analysis. Provide comprehensive coverage from every angle.
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Remote Key Injection
Securely complete payment terminal key injection at the point of sale with this fast and cost-effective method.
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Point-to-Point Encryption
Ensure cardholder data is never exposed during a payment transaction with P2PE.
ISO Recurring Billing
Optimize rebilling process to minimize churn and maximize recurring revenue from your subscribers.
Subscriptions and Plans
- Create, edit, cancel or delete subscriptions, plans and custom subscriptions.
- Set it manually in the admin portal, through Virtual Terminal or via API.
- Utilize advanced features such as Customer Vault, Merchant Defined Fields or Automatic Card Updater.
Automatic Card Updater
- Ensure that you always have up-to-date details for credit and debit cards on file.
- This tool is processor agnostic and periodically checks card-on-file data for updates with the card networks.
- It works behind the scenes, so it is unobtrusive for your customers.
- Subscription based businesses see churn reduction caused by expired cards.
ISO Tokenization
Utilize the most advanced technology for efficient authorization and secure storage of sensitive customer data.
Customer Vault
- Safely store customer card information to enable smooth future rebills.
- Customer Vault maintains a unique token value and it allows processing subsequent transactions without having to store or re-collect and re-enter customers’ sensitive payment data.
Network Tokens
- Replace sensitive card details with secure network tokens to strengthen transaction security and efficiency.
- Network tokens are managed by major card networks such as Visa and Mastercard.
- Benefit from higher authorization rates, improved security, and cost savings.
ISO Mobile Solutions
Enhance payment acceptance and invoice collection process with advanced solutions for mobile devices.
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Text to Pay
Securely request and receive payments via link in text messages on smartphones.
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Mobile app for EMV card payments
Accept EMV card payments via a mobile app on Apple and Android smart devices.
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Tap to Pay on Android and iPhone
Take in-person transactions by empowering any NFC-enabled phone or tablet to become a contactless payment terminal.
ISO Other Features
Utilize additional set of tools for various aspects of day-to-day business operations.
- Reporting
- Get valuable insights into customer behavior with a single view of their data across multiple channels. Search transaction and subscription data to take instant actions and ensure good standing of the account.
- Electronic Invoicing
- Send invoices through a brand-customizable email, offering customers a variety of ways to pay just by clicking a link.
- Product Manager
- Easily enter and manage product SKUs and keep inventory organized.
ISO Integrations
Plug in your tech stack components to our payment platform. Benefit from flawless automation, enhanced operation, and new business insights.
- Freedom of Choice
- Integrate with 125+ shopping carts, accounting platforms, and payment devices.
- Shopify
- Connect Shopify online store with our advanced payment gateway. Shopify plug-in ensures secure transactions and seamless checkout experience for your customers.
- QuickBooks
- Supercharge your accounts receivable process by automating time-consuming tasks. Deliver better invoicing and payment experience for customers.
ISO Developer Resources
Improve developer productivity and satisfaction with modern technology environment, useful tools, and clear documentation.
Documentation
Explore developer friendly product documentation and cutting-edge tools and resources. Ensure proper setup, testing and integration with comprehensive guides and recipes.
API
Utilize detailed API Reference to programmatically execute payment-related actions, reporting tasks, and advanced payment gateway features. Employ extensions such as network tokens and TEXT2PAY.
SDKs
Accelerate development by using SDKs for platform of your choice. Mobile platforms include Android and iOS SDKs. Desktop platforms include Windows and Linux SDKs.
Not sure which payment gateway is the right fit for your business?
Talk to our payment experts.