{"id":3879,"date":"2020-01-13T16:03:35","date_gmt":"2020-01-13T16:03:35","guid":{"rendered":"https:\/\/www.theproche.com\/?p=3879"},"modified":"2021-06-04T11:50:48","modified_gmt":"2021-06-04T10:50:48","slug":"the-2019-guide-to-payment-gateways-for-online-businesses","status":"publish","type":"post","link":"https:\/\/www.theproche.com\/the-2019-guide-to-payment-gateways-for-online-businesses\/","title":{"rendered":"The 2019 Guide to Payment Gateways for Online Businesses"},"content":{"rendered":"\n<p>Payment gateways\nenable businesses to handle electronic payments by offering a SaaS platform the\nability to securely connect to an ACH payment or credit card payment\ndisbursement solution. The Payment Gateway serves as the secure conduit to move\nsensitive credit card or bank account from the application user to the back end\npayment processor or acquirer.<\/p>\n\n\n\n<p>Choosing a payment gateway depends on the needs and type of business. Here is some information on Payments Gateways to you better understand how to properly utilize a gateway.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The Role of the Payment Gateway\nin Online Payments<\/h3>\n\n\n\n<p>Payment gateways authorize, securely encrypt, and submits a transaction for processing.&nbsp; Payment gateways are the communication portal between business and the customer when an electronic payment is submitted, and therefore handle loads of information. <\/p>\n\n\n\n<p>When a direct-debit or eCheck transaction occurs, a funds\nrequest is sent to the payer\u2019s bank. If sufficient funds are available, the\nfunds will be pulled and deposited into the payee\u2019s account. For credit card\ntransactions, the card-issuing bank sends an authorization request to verify\nthat the card is valid. <\/p>\n\n\n\n<p>Once verified, the transaction is submitted to the credit\ncard processor. The processor then deposits the funds into the merchant\u2019s bank\naccount. A failed authorization request means that the deposit will not be\ncompleted, and an error code will be sent through the gateway to the merchant. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Selecting a Payment Gateway: What\nto Consider for Online Business<\/h3>\n\n\n\n<p>Selecting the correct payment gateway is pivotal\nfor the success of your business. Here are some things to take into\nconsiderations:<\/p>\n\n\n\n<ul><li>Ensure your payment gateway partner provides an easy, defined process for onboarding and continued support. <\/li><\/ul>\n\n\n\n<ul><li>If your payment gateway partner also provides the merchant account[s], negotiate great deals for your users [you have the power]. Hopefully, just by using your product the business will save time and money. If you can, in turn, save them money on processing fees you are again creating goodwill. <\/li><\/ul>\n\n\n\n<ul><li>Make sure your payment gateway\noffers payment options via ACH Integration. Especially for recurring payments\nmultiple payment options with cost savings are a competitive differentiator. <\/li><\/ul>\n\n\n\n<ul><li>Revenue share model: Your payment\ngateway integration provider [especially if they can also set up merchant\naccounts] should offer you a transaction revenue share model. If done properly\nyour clients get better service and more payment options. Your company gets a\nmore loyal client and a new revenue source.<\/li><\/ul>\n\n\n\n<ul><li>Improved client retention rates: By delivering value beyond expectations you generate more loyal clients. This increases lifetime client value and your ability to cross-sell, upsell and leverage potential referrals.<\/li><\/ul>\n\n\n\n<p><a href=\"https:\/\/www.agilepayments.com\/hybrid-payfac\">Contact\nAgile Payments If your business is interested in learning more about Payment\nIntegration Partners, or Hybrid PayFac Options. <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Payment gateways enable businesses to handle electronic payments by offering a SaaS platform the ability to securely connect to an ACH payment or credit card payment disbursement solution. The Payment Gateway serves as the secure conduit to move sensitive credit card or bank account from the application user to the back end payment processor or [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3882,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[114],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The 2019 Guide to Payment Gateways for Online Businesses - Proche<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.theproche.com\/the-2019-guide-to-payment-gateways-for-online-businesses\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The 2019 Guide to Payment Gateways for Online Businesses - Proche\" \/>\n<meta property=\"og:description\" content=\"Payment gateways enable businesses to handle electronic payments by offering a SaaS platform the ability to securely connect to an ACH payment or credit card payment disbursement solution. 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