Agateway is small bridge between your website and the bank. Without it you can't conduct business online. A gateway provider uses SSL (secured server) protection of data (namely credit card numbers) to a website (typically to a shopping cart on the website such as WooCommerce) and then hooks up to a credit card processor (a bank) to run the transactions safely for both the customer and the merchant.
There are three main types of gateways available. Click or touch the tabs to learn about all the types available to you.
Universal gateways are those ran by processor agnostic companies. By choosing a universal gateway you gain access to the tech support of gateway manufacturer and retain ownership even after processor changes. This is the most ideal and preferred method above all others at all times. Authorize.Net is the venerable and established choice. NMI is the rising star to watch. Since most merchant account companies have their own proprietary offering you'll most likely find that the universal offering is a lot more feature rich for the same price range. Authorize.Net and NMI.com are the two largest and most accepted universal gateways on the market.
A proprietary gateway is purchased from your merchant account provider. While the gateway itself may very well be just fine in every aspect with regards to functionality, you'll find they typically tend to cost more because the product can't be sourced elsewhere. Installation is also more expensive. You can't move processing companies without complete abandonment of the gateway. Because you as a merchant tend to be locked in, per se, you may find yourself paying more for processing costs. With all that said, we can install most major brands of proprietary gateways for you. But if you haven't purchased a gateway yet, you may want to avoid a proprietary gateway and choose a universal gateway. After all you can still use the processor, but if you ever need to change, well, it's cheaper and easier to do so. Examples are US Bank Converge, First Data LinkPoint HTML or Global Gateway
Aggregate gateways are called that because they don't actually give you a merchant account. The gateway company in this case has a single merchant account with a traditional provider and then all the members of the company share the same account which is then managed by the provider. The leader in this arena is PayPal. There are others out there such as Stripe and countless others attempting to bubble to the surface. But for the most part PayPal is it online. In the real world of retail there others such as Square who make a good runner up, but as far as online, it's just PayPal today. Yes, we can install PayPal accounts. More importantly we can also migrate them to you universal gateways such as Authorize.Net which will treat them as a different payment method and fold them in to a real merchant account.
No. In fact we recommend you don't buy a gateway from your credit card processor. When you buy one from us, you actually own the license and get support from us, the gateway company directly, and you can change credit card processors at will without having to change your website and disrupt sales
Great question! The answer is YES, if you own the licensing. So the correct question is actually, Do You Own The License? The easiest way to determine that is to call the gateway and ask them if you can reprogram your existing license or not. Typically, if your processor gave you the gateway for free the processor owns the license and you can't transfer it to another processor. Conversely, should you have paid for the license you should own it and therefore be able to transfer it to another processor. But you won't know for sure until your ask your gateway company and NOT your processor.
Well - No. Not if you are staying with your processing company. If you are just moving hosting companies or setting up your website with us. You can keep all that the way it is. Sure. No problem. We are not a credit card processor and we are not looking for that business. We will however, need access to your gateway to program it to the shopping cart
Several main reasons. 1) You don't have one and you need one. 2) Your existing gateway doesn't do what you need it to do. 3) You are changing processors and you might as well make the change now while you are doing everything else.
For Authorize.Net and NMI the cost is $99.99 one-time fee to us and all other costs and relationships stay the same. Plus the cost of license fees, if any. WooCommerce is typically in the $50-$200 range for plug in license fees.
For Authorize.Net it's typically $99.99 one-time. For NMI it's anywhere from $25-$200 depending upon which of the 25 options you want enabled. Monthly fees are typically $25 a month plus $0.10 a transaction for basic service plus your processor costs. Additional services may be extra (i.e. QuickBooks integration)
Install – Reprogram – New License
Or call 1.702.267.8385