Payment Gateways (Online Gateways)

You have a lot of options when it comes to payment processing for your business. Depending on your business type and needs, one of those options may with a payment gateway or online gateway. A payment gateway and online gateway are the same but throughout the merchant services industry have been given two separate names.

Traditionally, payment gateways are used among businesses that sell products online through a payment processing company such as Priority Payments Local. However, due to their ease of use and convenience, some merchants choose to use payment gateways as their virtual terminal (as explained in our MX Merchant section below).

The Payment Gateway Transaction Process, Summarized

A payment gateway works by facilitating a payment transaction through the transfer of information between a payment portal such as a website and the front-end processor (Priority Payments Local) or acquiring bank. Here are four simple steps that illustrate the process.

payment gateway transaction process

1. Your customer places an order on your website entering their billing and payment information.
2. The customer’s payment information is sent to the payment gateway.
3. Priority Payments Local processes the transaction.
4. You receive your funds (processing times vary depending on the type of payment processing program you are on).

We work with virtually all payment gateways, including but not limited to the following.

MXTM Merchant

This secure payment ecosystem payment gateway is one of the most powerful payments platforms available that goes far beyond the online traditional gateway. If you prefer to use the MX Merchant as your virtual terminal, you’ll collect customer payment information and then use Quick Pay feature to manually process transactions. It comes standard with your merchant account and includes these additional robust features:
  1. Docs
  2. Reports
  3. Deposit
  4. Settlement
  5. Chargeback
  6. MX Express App

Since 1996, Authorize.Net has been a leading provider of payment gateway services, managing the submission of billions of transactions to the processing networks on behalf of merchant customers. It allows you to accept payments from websites, mobile devices, retail locations, kiosks and anywhere you need to be. Features include:

  1. Advanced Fraud Detection
  2. Secure Customer Data
  3. Payment Types
  4. Recurring Payments
  5. Account Updater
  6. Invoicing
  7. Simple Checkout


First Data Global Gateway

First Data's Global Gateway Virtual Terminal is an online payment application that allows you to accept credit cards and other payment types using your PC. The Virtual Terminal also acts as your Global Gateway account management application and allows you to view gateway processing reports, edit fraud settings, manage users, and more.

Real-Time Payment Manager (RPM)
An online virtual point of sale option that requires no software installation and allows businesses to begin accepting payments quickly.

Hosted Checkout
This is a First Data hosted solution that allows payment integration into a business website, with a range of development interfaces designed to suit nearly every level of IT development expertise.

Web Service API
Allows for a seamless customer experience by integrating payment functionality directly into any website or custom built application, through a selection of preferred programming languages.



Leverage NMI's unified commerce enablement platform to drive new value, extend your brand, create new revenue streams and achieve disruptive results. Whether your business needs a solution that caters to ecommerce, mobile, retail and unattended, or just one of them, this platform can help.
Take Any Payment, Anywhere
It's easy to process ecommerce, retail, mobile and unattended payments on any device, anywhere all from one payment gateway platform.

Unified Payments Data A single token repository turns payment data into valuable insights and delivers a superior merchant and customer experience.

Customize Your Offerings Add this gateway's technology to your business to easily implement new payment methods, support multiple devices and maintain control over your pricing terms and brand.


PayTrace began as an idea. The idea that payment systems could be better. Merchants didn't have to settle for mediocre gateways offering little to no support. It was possible to delight merchants with 5-star service and a system that was comprehensive, lowered processing costs, and increased security. As part of what PayTrace offers, developers get the tools they need to master the e-commerce space.

  1. Shopping carts
  2. Secure hosted solutions
  3. Developer friendly APIs
  4. Interchange savings with Level II & III data
  5. Fraud tools
  6. Free tokenization
  7. Level I PCI compliant
  8. Client side encryption

Valor PayTech Ominichannel Payment Gateway

As you seek ways to streamline your business processes, updating your fintech to an integrated payment gateway is one solution. Our payment processing solutions in partnership with Valor PayTech offer the following payment gateway features.

  1. Resourceful merchant portal
  2. Customer analytics
  3. Transaction efficiency
  4. Live view of business
For additional information on payment gateways, contact us. Our payment processing company is located in Central, NJ and we provide payment gateways and payment processing services to businesses across the United States.