Question 1

How much can I save on merchant processing fees?

Accepted Answer

On average, Gateway Financial cuts clients' merchant processing fees in half. Send a recent statement and we calculate your true effective rate and show exactly where you are overpaying. If we cannot save you money, we tell you to stay put.

Question 2

What is a 0% fee processing program?

Accepted Answer

For qualified merchants, Gateway can structure processing so the fees are fully offset, meaning a true 0% cost to the business. Eligibility depends on your volume and industry.

Question 3

What is Level 2 and Level 3 interchange optimization?

Accepted Answer

For business, corporate, and government cards, the card networks offer lower interchange when you pass extra transaction detail like tax, invoice, and line-item data. Gateway passes that data automatically so qualifying transactions settle at the best possible tiers, savings most processors never set up.

Question 4

Do you work with high-risk businesses?

Accepted Answer

Yes. Gateway specializes in placing accounts that traditional processors decline, with specialized underwriting, chargeback mitigation, and multi-bank redundancy so your payments stay online.

Question 5

Is my customers' card data secure?

Accepted Answer

Every transaction is protected by point-to-point encryption, full EMV, and tokenization, which also reduces your PCI compliance scope. Card data is never readable in your environment.

Payments, in plain English.

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Your effective rate is the only number that matters

What the 2026 interchange updates mean for your rates

Ready to stop overpaying?