Web & eCommerce payments
Secure, developer-friendly online checkout with the fraud and recurring-billing tooling to protect every card-not-present sale.
Online, the rules flip. A card your customer is not physically holding is riskier to the networks, easier to dispute, and a magnet for fraud, which is exactly why card-not-present sales cost more and break more often. Done right, eCommerce processing is invisible: it converts cleanly, stops the fraud, bills the subscriptions, and never surprises you on the statement. That is what we build.
Built on gateways you can trust, not a black box
You should never be locked into one company’s proprietary rails. As an ISO, Gateway Financial integrates with the industry-standard gateways your developers and platforms already know, including NMI and Authorize.net, plus hosted checkout and the major eCommerce platforms. That means portability, mature tooling, and a setup that survives whatever your business does next.
Gateway integration
white-label, multi-MID, vaulting
Gateway integration
the most widely supported API in eComm
Proprietary lock-in
standard rails you can take with you
Hosted, embedded, or full API, your call
There is no single right way to take payments online; there is the right way for you. The choice mostly comes down to how much you want to build versus how little compliance you want to carry. Here is the trade-off in one tool.
Three ways to take payments online
Best for
Native checkout, low PCI scope
Secure, tokenizing fields drop into your own checkout page. It looks fully native; the sensitive data is isolated.
- On-site experience, higher conversion
- Still keeps card data off your servers
- Customizable look and feel
The sweet spot for most growing online stores.
Fraud and chargebacks, handled in layers
Card-not-present fraud is a game of layers. No single check stops everything, so we stack defenses that catch fraud while letting your real customers through. Each one is configurable to your risk and your conversion goals.
| Layer | What it does |
|---|---|
| Address Verification (AVS) | Matches the billing address and ZIP to the card on file. |
| Card security code (CVV) | Confirms the buyer physically has the card. |
| 3-D Secure | Shifts liability to the issuer on authenticated transactions. |
| Tokenization | Replaces stored card numbers with meaningless tokens. |
| Velocity & filters | Flags bursts, mismatched geos, and known-bad patterns. |
The goal is not zero fraud at any cost
Subscriptions and saved cards that do not leak
For any recurring model, your biggest silent threat is the involuntary churn of a perfectly happy customer whose card expired or got reissued. We handle that automatically.
- Cards are securely vaulted as tokens, so you can rebill without storing real numbers.
- Card-updater refreshes expired and reissued cards before they fail.
- Smart retries re-attempt soft declines at the right time, recovering revenue you would otherwise lose.
- Failed-payment flows and dunning keep customers active instead of quietly lapsing.
Online donations on your domain
Nonprofits are not the only teams taking card-not-present gifts online. Political committees and advocacy organizations need embedded checkout on their own sites, recurring monthly donors, optional donor fee cover, and a separate merchant ID per committee. The same gateway stack applies: hosted for speed, embedded for conversion, API for custom donate engines.
Political & nonprofit paths
Transparent online pricing, no mystery markups
Online is where blended pricing hides the most. A “2.9% + 30¢” flat rate is simple, but it overcharges you on every low-cost card and buries the margin. We price eCommerce on interchange-plus, so you see the real interchange, the small assessments, and a clearly stated processor margin, the only part that is negotiable.
See exactly how this works
The bottom line
- We integrate standard gateways (NMI, Authorize.net) and platforms, so you are never locked in.
- Choose hosted, embedded, or full-API checkout based on your team and your PCI tolerance.
- Fraud is stopped in layers: AVS, CVV, 3-D Secure, tokenization, and tuned filters.
- Recurring revenue is protected with vaulting, card-updater, and smart retries.
- Online is priced on transparent interchange-plus, never a blended black box.
Common questions
Gateway Financial integrates with industry-standard gateways including NMI and Authorize.net, plus hosted checkout and major eCommerce platforms. You are never locked into proprietary hardware or a single integration.
Industries we set up on this service
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