What is a Payment Gateway

      What is a Payment Gateway

        Article summary

        A payment gateway allows merchants to accept online payments in e-shops with dozens of payment methods.

        Benefits of a payment gateway

        • Dozens of payment methods in one solution
        • Higher number of completed and paid orders for the e-shop
        • Greater convenience of payment for buyers

        Payment methods

        Card payments – the most common payment method, used by approximately 80% of customers. We accept Visa, Visa Electron, Mastercard, Maestro.

        Apple Pay – payment using a card virtualized into the Apple Wallet. The service is displayed to users of Apple devices with Safari browser.

        Google Pay – payment with a card stored in Google Wallet. It is displayed on compatible devices.

        Bank transfers – transfers between bank accounts without the need for a credit card. payment gateway allows PSD2 payments, online bank transfers, QR payments and bank transfers without instant confirmation. 

        Deferred payments – the e-shop customer has the option to buy immediately, pay later. Deferred payment for up to 30 days is interest free. The e-shop will receive the funds immediately after the purchase.

        Payments in three instalments without any increase – the customer can spread the payment for the purchase into three monthly instalments without any fee. The e-shop will receive the full amount immediately.

        Instalment sales – the customer can choose the number and amount of each installment according to the provider's terms. The e-shop receives the full amount immediately.

        Payment gateway features

        Currencies and languages – The payment gateway accepts 9 currencies and is localized into 14 languages.

        Payment expiry – Set an expiration time of the payment so that the customer can comfortably complete it and the product is not blocked in stock.

        Inline payment gateway – Display the payment gateway in the cart or in a pop-up window over the e-shop page.

        Recurring payments – Useful for subscriptions or for recurring service fees from the customers‵ cards

        Payment link – For orders placed via e-mail, phone, chat or other way outside of the e-shop, or for changing an already placed order.

        Preauthorization – Can temporarily block an amount on a customer‵s card for booking or other reasons pre-sale.

        Refund Full or partial refunds for the goods returned by a customer within a statutory time limit or for complaints.

        Payment restart Reduces the number of unfinished orders. If the payment is not completed, the customer can attempt to pay again and choose another payment method if needed.

        Cancel payment You can cancel a duplicate payment.

        Payment reminder Send a payment reminder via e-mail or SMS with a link to the unfinished payment.

        Customized gateway design Customize the design of the payment gateway to match your brand. We will configure the logo or background according to your preferences free of charge.

        Card memorization Upon completing the payment, the customer can opt to save card details for future visits.

        Connection to accounting systems – We cooperate with accounting systems to make exporting payment data effortless.

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