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Shopping Cart - Payment Processors
Wednesday, 11 July 2012 10:27

What’s the difference between a Payment Gateway and a Merchant Account?

For automatic payments online (as soon as the shopper checks out, a third party service debits their card), you will need both a Payment Gateway and a supported Merchant Account. If you are using Manual Offline processing (run the card with your terminal), you won't need a Gateway Account.

A Payment Gateway is the communication tool that enables you to authorize, settle and manage credit card and electronic check payments. You need a Payment Gateway Account if you want to process credit card payments automatically.

Merchant Account is a bank account that is used specifically for the purpose of collecting proceeds from bank account and credit card payment transactions. A Card Not Present (CNP) merchant account is used by merchants who receive payments electronically or in situations where payment is not physically presented to the merchant by the consumer at the time of the transaction. A Card Present (CP) merchant account is used by merchants who receive payments in a physical location, where payment is physically presented to the merchant by the customer at the time of the transaction. 

Supported Gateways:

  • Stripe (Stripe does NOT require a merchant account)
  • Linkpoint
  • PayPal Pro
  • eProcessingNetwork
  • PayMeNow
  • SecurePay
  • SecureNet

Supported Merchant Accounts:

As long as your Merchant Account works with one of these supported credit card processors, they will work with the Gateway.

  • TSYS / Vital / VisaNet
  • Paymentech
  • Elavon / Nova
  • First Data (Nashville / FDCN / FDMS / Envoy)
  • First Data Omaha (FDCO / FDR-First Data Resources)
  • Global Payments (GPS / GPN / NDC)
  • CardSystems / PayByTouch / Solidus Networks
  • RBS Lynk / Lynk Systems
  • Heartland
  • Concord EFS 




Do you need a Merchant Account or Payment Gateway?

STN is an Preferred Reseller




Last Updated on Thursday, 08 May 2014 10:08