A payment gateway is an e-commerce service that allows the internet merchant to process credit cards and checks through their website or for mail and telephone orders. 

This credit card environment is referred to as card not present.

A payment gateway facilitates the transfer of payment information between the payment interface (retail POS equipment, virtual terminal, website shopping cart, etc.), the card associations (Visa, MasterCard) and the merchant bank and is a necessary solution component for an e-commerce enabled merchant.

The payment gateway is a separate entity from the merchant account.

The payment gateway checks for validity (authorizations), encrypts transaction data for security and ensures the information is forwarded to the correct destination or financial institution so you can receive funding - all in 2-3 seconds.

XBS is a certified reseller of the industry's leading payment gateways including -

• Authorize.net
• Sage Payment Gateway
• E-processing Gateway