Simple. How payments should be.
Lower fees, bank-grade security, and real humans who answer the phone. Gateway Financial helps businesses cut their merchant processing fees in half on average, with 0% fee programs available for qualified merchants.
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Cardholder
Your Business
Encrypted
P2PE · EMV
On average, we cut our clients’ merchant processing fees in half.
Qualified merchants can process on a true 0% fee program.
Point-to-point encryption plus full EMV from terminal to bank.
Accept all major cards and digital wallets
Bank-grade protection, end to end
Card data is encrypted the moment it’s entered and never readable in your environment. Full EMV and tokenization shrink your PCI scope and shift fraud liability away from your business.
- Raw card data never lives in your environment
- Tokens are useless if stolen
- Perfect for recurring billing and saved cards
Your data, made untouchable.
Type any number. The moment it’s captured, point-to-point encryption turns it into a worthless token. Your real data never lands in usable form.
Vault token
tok_21AECDA3BCA39B7A1F8A4AD783
If an attacker stole this token, it would be worthless. That’s the entire point of encryption done right.
Point-to-Point Encryption
Card data is encrypted the instant it’s entered at the terminal and stays encrypted until it reaches the processor. It’s never readable in your environment.
PCI Scope Reduction
By keeping raw card data out of your systems, we shrink your PCI footprint, making compliance dramatically simpler and audits faster.
Complete EMV Protection
Full EMV chip acceptance shifts counterfeit-fraud liability away from your business and protects you at the point of sale.
Tokenization
Stored cards become meaningless tokens. Even if data were exposed, there’s nothing usable to steal. Ideal for recurring billing.
Know your number
before you switch.
Move the sliders to estimate what cutting your fees in half puts back in your pocket. Then we’ll prove it with a free statement analysis.
Not sure? It’s on your statement as the effective rate. Most businesses land near 3%.
Estimate based on our average client savings of 50% on processing fees. Qualified merchants may even process on a true 0% fee program. Get a free statement analysis for your exact numbers.
What you pay now
Monthly savings
Estimated savings a year
- We read your real statement, line by line
- Level 2 & 3 data passed automatically
- If we can’t save you money, we tell you to stay
Everything you need to get paid
One partner for online, in-store, high-risk, and everything in between.
Web & eCommerce
Secure online checkout, hosted payment pages, and gateway integrations for any storefront.
Learn moreHigh-Risk Processing
Approvals where others say no. Stable accounts for hard-to-place and specialized industries.
Learn morePOS & Equipment
Countertop terminals, mobile readers, and full point-of-sale systems, programmed and ready.
Learn moreInterchange Optimization
Level 2 & 3 data passed automatically to unlock the lowest qualified interchange tiers.
Learn moreConsumer Financing
Offer flexible pay-over-time options at checkout and close more high-ticket sales.
Learn moreUnparalleled Service
A dedicated team that picks up the phone, reads your statement, and fights for your savings.
Learn moreTailored to your industry
Every business gets paid differently. We tune pricing, equipment, and support to 268+ industries, from restaurants to high-risk. Find yours.
Straight answers
On average, we cut our clients’ merchant processing fees in half. Send us a recent statement and we’ll read it line-by-line, show you exactly where you’re overpaying, and put real savings in writing. If we can’t save you money, we’ll tell you to stay put. No pressure.
Ready to stop overpaying?
Send us one statement. We’ll show you exactly where your money is going, and how much we can save you.