Image by Kelly Sikkema

What does a gateway do?

A gateway (or payment gateway) is a digital way of accepting payments. Gateways include virtual terminals, invoicing, secure customer data storage, and additional features to manage your digital payments.

A gateway (sometimes known as a virtual terminal) is a digital way of accepting payments. Traditionally, gateways were used only as a virtual terminal, but this has shifted in the past decade or so. Most gateways will have both an online terminal you can access from a computer, as well as a mobile processing solution you can download from your respective app store so that you can access your gateway anywhere. A gateway will also allow you to connect to your website’s shopping cart for online payments directly from your customer.

Ultimately, a payment gateway's job is to get real-time authorizations from your cardholder's issuing bank. That's the "core" job. But nowadays, gateways also typically have:

  • Fraud protection tools to help you mitigate potentially dangerous transactions

  • Advanced integrations with websites, CRMs, and accounting softwares

  • Mobile options to allow for in-the-field acceptance, and tap-to-pay

  • Advanced features like invoicing, recurring billing, customer data storage, level 2/3 processing, and surcharging

AND includes a free payment gateway with all of our Business/Premier accounts. No monthly fees, transaction fees, or extra fees for any features included. Take a look

We're serious about saving money.

AND is dedicated to getting your processing rates as close to zero as possible. We utilize membership pricing along with cash discounting and surcharging programs to maximize savings. Let our analysts review your statements and see how much money we can put back in your pockets.