{"id":16112,"date":"2024-05-21T17:42:47","date_gmt":"2024-05-21T10:42:47","guid":{"rendered":"https:\/\/www.tc-rm.ru\/?p=16112"},"modified":"2024-05-22T08:37:11","modified_gmt":"2024-05-22T01:37:11","slug":"payment-gateway-vs-payment-processor","status":"publish","type":"post","link":"https:\/\/www.tc-rm.ru\/blog\/payment-gateway-vs-payment-processor\/","title":{"rendered":"Payment gateway vs payment processor: Compare key differences"},"content":{"rendered":"[vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;#ffffff&#8221; scene_position=&#8221;center&#8221; bottom_padding=&#8221;50&#8243; top_padding_tablet=&#8221;0&#8243; bottom_padding_tablet=&#8221;0&#8243; top_padding_phone=&#8221;0&#8243; bottom_padding_phone=&#8221;0&#8243; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; overlay_strength=&#8221;0.5&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_color=&#8221;#ffffff&#8221; shape_divider_position=&#8221;bottom&#8221; shape_divider_height=&#8221;15%&#8221; bg_image_animation=&#8221;none&#8221; video_mute=&#8221;true&#8221; shape_type=&#8221;straight_section&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/12&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;5\/6&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]As a merchant, you may find two seemingly similar terms confusing: payment gateway vs payment processor. While they both play vital roles in managing online transactions and accepting mobile, debit card, and credit card payments, there are important differences between payment processors and gateways. Understanding the distinctions helps merchants streamline the checkout process, avoid hiccups during transactions, and improve operational efficiency.<\/p>\n<p>Below, we\u2019ll cover the definitions and mechanisms of both components in the payment processing flow, how they work together, and give a comprehensive comparison of payment processor vs payment gateway.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;padding-5-percent&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;small_depth&#8221; column_border_radius=&#8221;10px&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;.vc_custom_1716284326423{background-color: #ffffff !important;}&#8221; text_direction=&#8221;default&#8221;]\n<ul>\n<li><a href=\"#s1\">What is a payment gateway and how does it work?<\/a><\/li>\n<li><a href=\"#s2\">When to use a payment gateway?<\/a><\/li>\n<li><a href=\"#s3\">What is a payment processor and how does it work?<\/a><\/li>\n<li><a href=\"#s4\">When to use a payment processor?<\/a><\/li>\n<li><a href=\"#s5\">Payment gateway vs payment processor: Comparison table<\/a><\/li>\n<li><a href=\"#s6\">How do payment processors and payment gateways work together?<\/a><\/li>\n<li><a href=\"#s7\">What do I need: A payment gateway, a payment processor, or both?<\/a><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; 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full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; bottom_padding=&#8221;50&#8243; bottom_padding_tablet=&#8221;0&#8243; bottom_padding_phone=&#8221;0&#8243; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; id=&#8221;s1&#8243; overlay_strength=&#8221;0.5&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_color=&#8221;#ffffff&#8221; shape_divider_position=&#8221;bottom&#8221; shape_divider_height=&#8221;15%&#8221; bg_image_animation=&#8221;none&#8221; video_mute=&#8221;true&#8221; shape_type=&#8221;straight_section&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; 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column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;5\/6&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]\n<h2>What is a payment gateway and how does it work?<\/h2>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][divider line_type=&#8221;Small Line&#8221; line_alignment=&#8221;center&#8221; line_thickness=&#8221;3&#8243; divider_color=&#8221;extra-color-2&#8243; custom_line_width=&#8221;55&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][image_with_animation image_url=&#8221;16113&#8243; image_size=&#8221;full&#8221; animation_type=&#8221;entrance&#8221; animation=&#8221;None&#8221; animation_movement_type=&#8221;transform_y&#8221; hover_animation=&#8221;none&#8221; alignment=&#8221;center&#8221; border_radius=&#8221;none&#8221; box_shadow=&#8221;none&#8221; image_loading=&#8221;default&#8221; max_width=&#8221;100%&#8221; max_width_mobile=&#8221;default&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]A <a href=\"https:\/\/www.tc-rm.ru\/blog\/payment-gateways-importance-in-digital-era\/\">payment gateway<\/a> allows online and in-store merchants to collect the customer&#8217;s payment information, encrypt it, and securely send it to the card processor for authorization.<\/p>\n<p>During online checkout processes, the payment gateway acts as the online payment portal. Meanwhile, during in-person transactions, it includes card readers and <a href=\"https:\/\/www.tc-rm.ru\/integrations\/payment\/\">POS terminals<\/a> to accept card payments, i.e. credit cards and debit cards, and card-not-present (CNP) payments such as digital wallet, QR code, or Near Field Communication (NFC) payments.<\/p>\n<p>Here\u2019s how the payment gateway works:<\/p>\n<ul>\n<li>Collect payment information when customers tap their card or enter their card details at the online or in-person POS<\/li>\n<li>Encrypt the payment details<\/li>\n<li>Transfer the encrypted payment information to the payment processor for authorization<\/li>\n<li>Transmit the authorization response from the payment processor back to the business, notifying them if the transaction is successful<\/li>\n<\/ul>\n<p>While there\u2019s a wide range of options, the best payment gateway companies include:[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]<div class=\"ntb_table_wrapper\" data-responsive='{&quot;general&quot;:{&quot;name&quot;:&quot;General&quot;,&quot;key&quot;:&quot;general&quot;,&quot;has_pro&quot;:false,&quot;options&quot;:{&quot;enable_responsive_table&quot;:{&quot;label&quot;:&quot;Enable Responsive Table&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:true}}},&quot;mode_options&quot;:{&quot;name&quot;:&quot;Mode Options&quot;,&quot;key&quot;:&quot;mode_options&quot;,&quot;has_pro&quot;:false,&quot;options&quot;:{&quot;devices&quot;:{&quot;mobile&quot;:{&quot;name&quot;:&quot;Mobile&quot;,&quot;key&quot;:&quot;mobile&quot;,&quot;disable_breakpoint&quot;:{&quot;label&quot;:&quot;Disable Breakpoint&quot;,&quot;key&quot;:&quot;disable_breakpoint&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:false},&quot;cell_direction&quot;:{&quot;label&quot;:&quot;Cell Stack Direction&quot;,&quot;type&quot;:&quot;select&quot;,&quot;value&quot;:&quot;row&quot;,&quot;items&quot;:[{&quot;label&quot;:&quot;Row&quot;,&quot;value&quot;:&quot;row&quot;},{&quot;label&quot;:&quot;Column&quot;,&quot;value&quot;:&quot;column&quot;}]},&quot;top_row_as_header&quot;:{&quot;label&quot;:&quot;Top Row As Header&quot;,&quot;key&quot;:&quot;top_row_as_header&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:true},&quot;items_per_row&quot;:{&quot;label&quot;:&quot;Items Per Header&quot;,&quot;key&quot;:&quot;items_per_header&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:1,&quot;min&quot;:1,&quot;max&quot;:5},&quot;cell_border&quot;:{&quot;label&quot;:&quot;Group Separator&quot;,&quot;key&quot;:&quot;mobile_cell_border&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:5,&quot;min&quot;:1,&quot;max&quot;:10}},&quot;tablet&quot;:{&quot;name&quot;:&quot;Tablet&quot;,&quot;key&quot;:&quot;tablet&quot;,&quot;disable_breakpoint&quot;:{&quot;label&quot;:&quot;Disable Breakpoint&quot;,&quot;key&quot;:&quot;disable_breakpoint&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:false},&quot;cell_direction&quot;:{&quot;label&quot;:&quot;Cell Stack Direction&quot;,&quot;type&quot;:&quot;select&quot;,&quot;value&quot;:&quot;column&quot;,&quot;items&quot;:[{&quot;label&quot;:&quot;Row&quot;,&quot;value&quot;:&quot;row&quot;},{&quot;label&quot;:&quot;Column&quot;,&quot;value&quot;:&quot;column&quot;}]},&quot;top_row_as_header&quot;:{&quot;label&quot;:&quot;Top Row As Header&quot;,&quot;key&quot;:&quot;top_row_as_header&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:true},&quot;items_per_row&quot;:{&quot;label&quot;:&quot;Items Per Header&quot;,&quot;key&quot;:&quot;items_per_header&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:2,&quot;min&quot;:1,&quot;max&quot;:5},&quot;cell_border&quot;:{&quot;label&quot;:&quot;Group Separator&quot;,&quot;key&quot;:&quot;tablet_cell_border&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:5,&quot;min&quot;:1,&quot;max&quot;:10}},&quot;desktop&quot;:{&quot;name&quot;:&quot;Desktop&quot;,&quot;key&quot;:&quot;desktop&quot;,&quot;top_row_as_header&quot;:{&quot;label&quot;:&quot;Top Row As Header&quot;,&quot;key&quot;:&quot;top_row_as_header&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:false,&quot;disable&quot;:true},&quot;static_top_row&quot;:{&quot;label&quot;:&quot;Static Top Row&quot;,&quot;key&quot;:&quot;static_top_row&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:false,&quot;disable&quot;:true}}}}},&quot;responsive_settings&quot;:{&quot;name&quot;:&quot;Responsive Settings&quot;,&quot;key&quot;:&quot;responsive_settings&quot;,&quot;has_pro&quot;:false,&quot;options&quot;:{&quot;devices&quot;:{&quot;mobile&quot;:{&quot;name&quot;:&quot;Mobile&quot;,&quot;key&quot;:&quot;mobile&quot;,&quot;mobile_cell_padding&quot;:{&quot;label&quot;:&quot;Cell Padding&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:10,&quot;min&quot;:0,&quot;max&quot;:50},&quot;mobile_table_alignment&quot;:{&quot;label&quot;:&quot;Table Alignment&quot;,&quot;type&quot;:&quot;alignment&quot;,&quot;value&quot;:&quot;center&quot;}},&quot;tablet&quot;:{&quot;name&quot;:&quot;Tablet&quot;,&quot;key&quot;:&quot;tablet&quot;,&quot;tablet_cell_padding&quot;:{&quot;label&quot;:&quot;Cell Padding&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:10,&quot;min&quot;:0,&quot;max&quot;:50},&quot;tablet_table_alignment&quot;:{&quot;label&quot;:&quot;Table Alignment&quot;,&quot;type&quot;:&quot;alignment&quot;,&quot;value&quot;:&quot;center&quot;}}}}}}'\n     id='ninja_table_builder_16118'\n     style=\"\n     max-height:1000px;\n     max-width: 1160px;\">\n     <table id=\"ntb_table\" role=\"table\" class=\"table ninja_tables_builder_class_16118 ntb_16118\" style=\"margin: 0px auto; table-layout: fixed; border-collapse: collapse; border: 0px solid rgb(0, 0, 0); font-family: inherit; border-spacing: 0px;\"> <tbody class=\"tbody\"><tr id=\"tr_id_6792389\" class=\"desktop-view tr_class_6792389 \" style=\"background: rgb(255, 108, 47);\"> <td id=\"td_id_44791045\" rowspan=\"1\" colspan=\"1\" class=\"td_class_44791045 table-data\" style=\"padding: 10px; max-width: 130px; min-width: 130px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_44791045\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 17px; display: block; text-align: center; color: rgb(255, 255, 255); opacity: 1; line-height: 1.2;\">Payment gateway<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_22273013\" rowspan=\"1\" colspan=\"1\" class=\"td_class_22273013 table-data\" style=\"padding: 10px; max-width: 125px; min-width: 125px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_22273013\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 17px; display: block; text-align: center; color: rgb(255, 255, 255); opacity: 1; line-height: 1.2;\">Location<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_14215516\" rowspan=\"1\" colspan=\"1\" class=\"td_class_14215516 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_14215516\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 17px; display: block; text-align: center; color: rgb(255, 255, 255); opacity: 1; line-height: 1.2;\">Processing fee&nbsp;<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_44222149\" rowspan=\"1\" colspan=\"1\" class=\"td_class_44222149 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_44222149\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 17px; display: block; text-align: center; color: rgb(255, 255, 255); opacity: 1; line-height: 1.2;\">Monthly fee<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_91995191\" rowspan=\"1\" colspan=\"1\" class=\"td_class_91995191 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_91995191\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 17px; display: block; text-align: center; color: rgb(255, 255, 255); opacity: 1; line-height: 1.2;\">Best use cases<\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_3210240\" class=\"desktop-view tr_class_3210240 \" style=\"background: rgb(255, 255, 255);\"> <td id=\"td_id_11653581\" rowspan=\"1\" colspan=\"1\" class=\"td_class_11653581 table-data\" style=\"padding: 10px; max-width: 130px; min-width: 130px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_11653581\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Stripe<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_30807705\" rowspan=\"1\" colspan=\"1\" class=\"td_class_30807705 table-data\" style=\"padding: 10px; max-width: 125px; min-width: 125px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_30807705\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span class=\"hover-item\" style=\"padding: 2px 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 1); opacity: 1; line-height: 1.2;\">Online, in-person<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_30060922\" rowspan=\"1\" colspan=\"1\" class=\"td_class_30060922 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_30060922\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Standard: 2.9% + 30\u00a2 per domestic transaction<\/span>  <\/div> <\/div><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Additional fees:&nbsp;\n<\/span>  <\/div> <\/div><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span class=\"ntb-list hover-item\" style=\"text-align: left; display: flex; justify-content: flex-start;\"><ul class=\"ntb-list-style\" style=\"padding: 0px; list-style-position: inside; list-style-type: disc;\"><li style=\"color: rgb(0, 0, 1); font-size: 15px; line-height: 20px;\"><span> <span style=\"font-weight: normal; font-style: normal; text-decoration: none; vertical-align: middle; margin-left: 0px;\">0.5% for manually entered cards<\/span><\/span> <\/li><li style=\"color: rgb(0, 0, 1); font-size: 15px; line-height: 20px;\"><span> <span style=\"font-weight: normal; font-style: normal; text-decoration: none; vertical-align: middle; margin-left: 0px;\">1.5% for international cards<\/span><\/span> <\/li><li style=\"color: rgb(0, 0, 1); font-size: 15px; line-height: 20px;\"><span> <span style=\"font-weight: normal; font-style: normal; text-decoration: none; vertical-align: middle; margin-left: 0px;\">1% if currency conversion is necessary.<\/span><\/span> <\/li><\/ul><\/span>  <\/div> <\/div><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span class=\"ntb-list hover-item\" style=\"text-align: left; display: flex; justify-content: flex-start;\"><ul class=\"ntb-list-style\" style=\"padding: 0px; list-style-position: inside; list-style-type: circle;\"><\/ul><\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_89015207\" rowspan=\"1\" colspan=\"1\" class=\"td_class_89015207 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_89015207\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">No monthly fees<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_13755673\" rowspan=\"1\" colspan=\"1\" class=\"td_class_13755673 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_13755673\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span class=\"hover-item\" style=\"padding: 2px 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 1); opacity: 1; line-height: 1.2;\">Omnichannel businesses<\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_8758503\" class=\"desktop-view tr_class_8758503 \" style=\"background: rgb(243, 244, 249);\"> <td id=\"td_id_56774203\" rowspan=\"1\" colspan=\"1\" class=\"td_class_56774203 table-data\" style=\"padding: 10px; max-width: 130px; min-width: 130px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_56774203\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Authorize.net<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_46177630\" rowspan=\"1\" colspan=\"1\" class=\"td_class_46177630 table-data\" style=\"padding: 10px; max-width: 125px; min-width: 125px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_46177630\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Online, in-person<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_52004592\" rowspan=\"1\" colspan=\"1\" class=\"td_class_52004592 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_52004592\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span class=\"ntb-list hover-item\" style=\"text-align: left; display: flex; justify-content: flex-start;\"><ul class=\"ntb-list-style\" style=\"padding: 0px; list-style-position: inside; list-style-type: disc;\"><li style=\"color: rgb(0, 0, 1); font-size: 15px; line-height: 20px;\"><span> <span style=\"font-weight: normal; font-style: normal; text-decoration: none; vertical-align: middle; margin-left: 0px;\">eCheck: 0.75%<\/span><\/span> <\/li><li style=\"color: rgb(0, 0, 1); font-size: 15px; line-height: 20px;\"><span> <span style=\"font-weight: normal; font-style: normal; text-decoration: none; vertical-align: middle; margin-left: 0px;\">Credit card: 10\u00a2 per transaction + 10\u00a2 per daily batch&nbsp;<\/span><\/span> <\/li><\/ul><\/span>  <\/div> <\/div><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span class=\"ntb-list hover-item\" style=\"text-align: left; display: flex; justify-content: flex-start;\"><ul class=\"ntb-list-style\" style=\"padding: 0px; list-style-position: inside; list-style-type: circle;\"><\/ul><\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_59665151\" rowspan=\"1\" colspan=\"1\" class=\"td_class_59665151 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_59665151\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">$25 per month<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_70921635\" rowspan=\"1\" colspan=\"1\" class=\"td_class_70921635 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_70921635\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span class=\"hover-item\" style=\"padding: 2px 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 1); opacity: 1; line-height: 1.2;\">Small businesses<\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_8833775\" class=\"desktop-view tr_class_8833775 \" style=\"background: rgb(255, 255, 255);\"> <td id=\"td_id_89615376\" rowspan=\"1\" colspan=\"1\" class=\"td_class_89615376 table-data\" style=\"padding: 10px; max-width: 130px; min-width: 130px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_89615376\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Worldpay<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_77984048\" rowspan=\"1\" colspan=\"1\" class=\"td_class_77984048 table-data\" style=\"padding: 10px; max-width: 125px; min-width: 125px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_77984048\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Online, in-person<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_43797864\" rowspan=\"1\" colspan=\"1\" class=\"td_class_43797864 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_43797864\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">1.5% per transaction for Visa and Mastercard card transactions<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_20639210\" rowspan=\"1\" colspan=\"1\" class=\"td_class_20639210 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_20639210\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">\u00a319.95 per month for online gateway<\/span>  <\/div> <\/div><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span class=\"ntb-list hover-item\" style=\"text-align: left; display: flex; justify-content: flex-start;\"><ul class=\"ntb-list-style\" style=\"padding: 0px; list-style-position: inside; list-style-type: disc;\"><\/ul><\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_31045995\" rowspan=\"1\" colspan=\"1\" class=\"td_class_31045995 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_31045995\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Global businesses with multi-currency needs&nbsp;<\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_7798828\" class=\"desktop-view tr_class_7798828 \" style=\"background: rgb(243, 244, 249);\"> <td id=\"td_id_52826234\" rowspan=\"1\" colspan=\"1\" class=\"td_class_52826234 table-data\" style=\"padding: 10px; max-width: 130px; min-width: 130px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_52826234\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Amazon Pay<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_24571023\" rowspan=\"1\" colspan=\"1\" class=\"td_class_24571023 table-data\" style=\"padding: 10px; max-width: 125px; min-width: 125px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_24571023\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Online<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_78834876\" rowspan=\"1\" colspan=\"1\" class=\"td_class_78834876 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_78834876\"><div class=\"single-item other-item\" draggable=\"false\" style=\"\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span class=\"ntb-list hover-item\" style=\"text-align: left; display: flex; justify-content: flex-start;\"><ul class=\"ntb-list-style\" style=\"padding: 0px; list-style-position: inside; list-style-type: disc;\"><li style=\"color: rgb(0, 0, 1); font-size: 15px; line-height: 20px;\"><span> <span style=\"font-weight: normal; font-style: normal; text-decoration: none; vertical-align: middle; margin-left: 0px;\">Domestic: 2.9% + 30\u00a2 per transaction<\/span><\/span> <\/li><li style=\"color: rgb(0, 0, 1); font-size: 15px; line-height: 20px;\"><span> <span style=\"font-weight: normal; font-style: normal; text-decoration: none; vertical-align: middle; margin-left: 0px;\">Cross-border: 3.9% + 30\u00a2 per transaction<\/span><\/span> <\/li><\/ul><\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_63024955\" rowspan=\"1\" colspan=\"1\" class=\"td_class_63024955 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_63024955\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">No monthly fees<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_42836553\" rowspan=\"1\" colspan=\"1\" class=\"td_class_42836553 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_42836553\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Online businesses based in the U.S.<\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_9976233\" class=\"desktop-view tr_class_9976233 \" style=\"background: rgb(255, 255, 255);\"> <td id=\"td_id_99084020\" rowspan=\"1\" colspan=\"1\" class=\"td_class_99084020 table-data\" style=\"padding: 10px; max-width: 130px; min-width: 130px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_99084020\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Payflow (PayPal\u2019s payment gateway)<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_29930326\" rowspan=\"1\" colspan=\"1\" class=\"td_class_29930326 table-data\" style=\"padding: 10px; max-width: 125px; min-width: 125px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_29930326\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Online<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_93548716\" rowspan=\"1\" colspan=\"1\" class=\"td_class_93548716 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_93548716\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">10\u00a2 per transaction<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_55245266\" rowspan=\"1\" colspan=\"1\" class=\"td_class_55245266 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_55245266\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span class=\"ntb-list hover-item\" style=\"display: flex; text-align: left; justify-content: flex-start;\"><ul class=\"ntb-list-style\" style=\"padding: 0px; list-style-position: inside; list-style-type: disc;\"><li style=\"line-height: 20px;\"><font color=\"#000001\"><span style=\"font-size: 15px;\">Payflow Link: No monthly fees<\/span><\/font><br><\/li><li style=\"line-height: 20px;\"><font color=\"#000001\"><span style=\"font-size: 15px;\">&nbsp;Payflow Pro: $25 per month<\/span><\/font><br><\/li><\/ul><\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_86650548\" rowspan=\"1\" colspan=\"1\" class=\"td_class_86650548 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_86650548\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Online store that needs to accept international payments<\/span>  <\/div> <\/div><\/div><\/td><\/tr><\/tbody><\/table><\/div>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/12&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][\/vc_column][\/vc_row][vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;#ffffff&#8221; scene_position=&#8221;center&#8221; bottom_padding=&#8221;50&#8243; bottom_padding_tablet=&#8221;0&#8243; bottom_padding_phone=&#8221;0&#8243; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; id=&#8221;s2&#8243; overlay_strength=&#8221;0.5&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_color=&#8221;#ffffff&#8221; shape_divider_position=&#8221;bottom&#8221; shape_divider_height=&#8221;15%&#8221; bg_image_animation=&#8221;none&#8221; video_mute=&#8221;true&#8221; shape_type=&#8221;straight_section&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/12&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;5\/6&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]\n<h2>When to use a payment gateway?<\/h2>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][divider line_type=&#8221;Small Line&#8221; line_alignment=&#8221;center&#8221; line_thickness=&#8221;3&#8243; divider_color=&#8221;extra-color-2&#8243; custom_line_width=&#8221;55&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]If your business accepts credit cards or direct payments, especially online payments, you\u2019ll need payment gateways to safeguard sensitive customer information during transactions.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]<div class=\"ntb_table_wrapper\" data-responsive='{&quot;general&quot;:{&quot;name&quot;:&quot;General&quot;,&quot;key&quot;:&quot;general&quot;,&quot;has_pro&quot;:false,&quot;options&quot;:{&quot;enable_responsive_table&quot;:{&quot;label&quot;:&quot;Enable Responsive Table&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:true}}},&quot;mode_options&quot;:{&quot;name&quot;:&quot;Mode Options&quot;,&quot;key&quot;:&quot;mode_options&quot;,&quot;has_pro&quot;:false,&quot;options&quot;:{&quot;devices&quot;:{&quot;mobile&quot;:{&quot;name&quot;:&quot;Mobile&quot;,&quot;key&quot;:&quot;mobile&quot;,&quot;disable_breakpoint&quot;:{&quot;label&quot;:&quot;Disable Breakpoint&quot;,&quot;key&quot;:&quot;disable_breakpoint&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:false},&quot;cell_direction&quot;:{&quot;label&quot;:&quot;Cell Stack Direction&quot;,&quot;type&quot;:&quot;select&quot;,&quot;value&quot;:&quot;row&quot;,&quot;items&quot;:[{&quot;label&quot;:&quot;Row&quot;,&quot;value&quot;:&quot;row&quot;},{&quot;label&quot;:&quot;Column&quot;,&quot;value&quot;:&quot;column&quot;}]},&quot;top_row_as_header&quot;:{&quot;label&quot;:&quot;Top Row As Header&quot;,&quot;key&quot;:&quot;top_row_as_header&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:true},&quot;items_per_row&quot;:{&quot;label&quot;:&quot;Items Per Header&quot;,&quot;key&quot;:&quot;items_per_header&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:1,&quot;min&quot;:1,&quot;max&quot;:5},&quot;cell_border&quot;:{&quot;label&quot;:&quot;Group Separator&quot;,&quot;key&quot;:&quot;mobile_cell_border&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:5,&quot;min&quot;:1,&quot;max&quot;:10}},&quot;tablet&quot;:{&quot;name&quot;:&quot;Tablet&quot;,&quot;key&quot;:&quot;tablet&quot;,&quot;disable_breakpoint&quot;:{&quot;label&quot;:&quot;Disable Breakpoint&quot;,&quot;key&quot;:&quot;disable_breakpoint&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:false},&quot;cell_direction&quot;:{&quot;label&quot;:&quot;Cell Stack Direction&quot;,&quot;type&quot;:&quot;select&quot;,&quot;value&quot;:&quot;column&quot;,&quot;items&quot;:[{&quot;label&quot;:&quot;Row&quot;,&quot;value&quot;:&quot;row&quot;},{&quot;label&quot;:&quot;Column&quot;,&quot;value&quot;:&quot;column&quot;}]},&quot;top_row_as_header&quot;:{&quot;label&quot;:&quot;Top Row As Header&quot;,&quot;key&quot;:&quot;top_row_as_header&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:true},&quot;items_per_row&quot;:{&quot;label&quot;:&quot;Items Per Header&quot;,&quot;key&quot;:&quot;items_per_header&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:2,&quot;min&quot;:1,&quot;max&quot;:5},&quot;cell_border&quot;:{&quot;label&quot;:&quot;Group Separator&quot;,&quot;key&quot;:&quot;tablet_cell_border&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:5,&quot;min&quot;:1,&quot;max&quot;:10}},&quot;desktop&quot;:{&quot;name&quot;:&quot;Desktop&quot;,&quot;key&quot;:&quot;desktop&quot;,&quot;top_row_as_header&quot;:{&quot;label&quot;:&quot;Top Row As Header&quot;,&quot;key&quot;:&quot;top_row_as_header&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:false,&quot;disable&quot;:true},&quot;static_top_row&quot;:{&quot;label&quot;:&quot;Static Top Row&quot;,&quot;key&quot;:&quot;static_top_row&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:false,&quot;disable&quot;:true}}}}},&quot;responsive_settings&quot;:{&quot;name&quot;:&quot;Responsive Settings&quot;,&quot;key&quot;:&quot;responsive_settings&quot;,&quot;has_pro&quot;:false,&quot;options&quot;:{&quot;devices&quot;:{&quot;mobile&quot;:{&quot;name&quot;:&quot;Mobile&quot;,&quot;key&quot;:&quot;mobile&quot;,&quot;mobile_cell_padding&quot;:{&quot;label&quot;:&quot;Cell Padding&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:10,&quot;min&quot;:0,&quot;max&quot;:50},&quot;mobile_table_alignment&quot;:{&quot;label&quot;:&quot;Table Alignment&quot;,&quot;type&quot;:&quot;alignment&quot;,&quot;value&quot;:&quot;center&quot;}},&quot;tablet&quot;:{&quot;name&quot;:&quot;Tablet&quot;,&quot;key&quot;:&quot;tablet&quot;,&quot;tablet_cell_padding&quot;:{&quot;label&quot;:&quot;Cell Padding&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:10,&quot;min&quot;:0,&quot;max&quot;:50},&quot;tablet_table_alignment&quot;:{&quot;label&quot;:&quot;Table Alignment&quot;,&quot;type&quot;:&quot;alignment&quot;,&quot;value&quot;:&quot;center&quot;}}}}}}'\n     id='ninja_table_builder_16120'\n     style=\"\n     max-height:1000px;\n     max-width: 1160px;\">\n     <table id=\"ntb_table\" role=\"table\" class=\"table ninja_tables_builder_class_16120 ntb_16120\" style=\"margin: 0px auto;border-collapse: collapse;border: 0px solid #000000;font-family: inherit;border-spacing: 0px\"> <tbody class=\"tbody\"><tr id=\"tr_id_6792389\" class=\"desktop-view tr_class_6792389 \" style=\"background: #ff6c2f\"> <td id=\"td_id_14215516\" rowspan=\"1\" colspan=\"1\" class=\"td_class_14215516 table-data\" style=\"padding: 10px;max-width: 350px;min-width: 350px;border: 1px solid #dddddd\"><div id=\"td_id_14215516\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px\" data-quillbot-parent=\"QTeNwRLkkxyQlkeVnpr5D\"><span class=\"hover-item\" style=\"padding: 0px;font-weight: bold;font-style: normal;text-decoration: none;font-size: 18px;display: block;text-align: center;color: #ffffff;opacity: 1;line-height: 1.2\" data-quillbot-element=\"QTeNwRLkkxyQlkeVnpr5D\">When to use a payment gateway<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_22273013\" rowspan=\"1\" colspan=\"1\" class=\"td_class_22273013 table-data\" style=\"padding: 10px;max-width: 350px;min-width: 350px;border: 1px solid #dddddd\"><div id=\"td_id_22273013\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px\" data-quillbot-parent=\"Z3rartS4is7RaMrp3QP0e\"><span class=\"hover-item\" style=\"padding: 0px;font-weight: bold;font-style: normal;text-decoration: none;font-size: 18px;display: block;text-align: center;color: #ffffff;opacity: 1;line-height: 1.2\" data-quillbot-element=\"Z3rartS4is7RaMrp3QP0e\">When NOT to use a payment gateway<\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_3210240\" class=\"desktop-view tr_class_3210240 \" style=\"background: #ffffff\"> <td id=\"td_id_30060922\" rowspan=\"1\" colspan=\"1\" class=\"td_class_30060922 table-data\" style=\"padding: 10px;max-width: 350px;min-width: 350px;border: 1px solid #dddddd\"><div id=\"td_id_30060922\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px\" data-quillbot-parent=\"zd2SQDsf6g3yv6gARQmrq\"><span class=\"hover-item\" style=\"padding: 0px;font-weight: normal;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000000;opacity: 1;line-height: 1.2\" data-quillbot-element=\"zd2SQDsf6g3yv6gARQmrq\">For online businesses, which face more security risks, an eCommerce payment gateway works like a secure POS system for offline transactions. It acts as a \"gatekeeper\" to authenticate credit card details that customers enter during checkout.&nbsp;&nbsp;<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_30807705\" rowspan=\"1\" colspan=\"1\" class=\"td_class_30807705 table-data\" style=\"padding: 10px;max-width: 350px;min-width: 350px;border: 1px solid #dddddd\"><div id=\"td_id_30807705\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px\" data-quillbot-parent=\"Va8WHWyZ3KgCMYJKjvYvp\"><span class=\"hover-item\" style=\"padding: 0px;font-weight: normal;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000000;opacity: 1;line-height: 1.2\" data-quillbot-element=\"Va8WHWyZ3KgCMYJKjvYvp\">Your POS system already includes a credit card processor and gateway credit card processing services.<\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_3137621\" class=\"desktop-view tr_class_3137621\" style=\"background: #f3f4f9\"> <td id=\"td_id_73137711\" rowspan=\"1\" colspan=\"1\" class=\"td_class_73137711 table-data\" style=\"padding: 10px;max-width: 350px;min-width: 350px;border: 1px solid #dddddd\"><div id=\"td_id_73137711\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px\" data-quillbot-parent=\"7kd0hLvsnMbJcFAwMfQSO\"><span class=\"hover-item\" style=\"padding: 0px;font-weight: normal;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000000;opacity: 1;line-height: 1.2\" data-quillbot-element=\"7kd0hLvsnMbJcFAwMfQSO\">For businesses that want to accept in-store payments but have yet to invest in a full POS system, a payment gateway offers a simpler solution to process payments.<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_61313211\" rowspan=\"1\" colspan=\"1\" class=\"td_class_61313211 table-data\" style=\"padding: 10px;max-width: 350px;min-width: 350px;border: 1px solid #dddddd\"><div id=\"td_id_61313211\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px\" data-quillbot-parent=\"0qJh7cvnj2akBO4vjJsg_\"><span class=\"hover-item\" style=\"padding: 0px;font-weight: normal;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000000;opacity: 1;line-height: 1.2\" data-quillbot-element=\"0qJh7cvnj2akBO4vjJsg_\">Your business has a branded app with built-in payment functions.<\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_8758503\" class=\"desktop-view tr_class_8758503\" style=\"background: #ffffff\"> <td id=\"td_id_52004592\" rowspan=\"1\" colspan=\"1\" class=\"td_class_52004592 table-data\" style=\"padding: 10px;max-width: 350px;min-width: 350px;border: 1px solid #dddddd\"><div id=\"td_id_52004592\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px\" data-quillbot-parent=\"nmjXWqtj0jBuQqvxuxlSL\"><span class=\"hover-item\" style=\"padding: 2px 0px;font-weight: normal;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000001;opacity: 1;line-height: 1.2\" data-quillbot-element=\"nmjXWqtj0jBuQqvxuxlSL\">For subscription-based businesses, payment gateways are essential to automate recurring payment collection and prevent failed payments.&nbsp;<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_46177630\" rowspan=\"1\" colspan=\"1\" class=\"td_class_46177630 table-data\" style=\"padding: 10px;max-width: 350px;min-width: 350px;border: 1px solid #dddddd\"><div id=\"td_id_46177630\"><\/div><\/td><\/tr><\/tbody><\/table><\/div>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]If you need a budget-friendly payment gateway, you can consider the best online payment gateways for small businesses including <a href=\"https:\/\/www.tc-rm.ru\/blog\/adyen-pos\/\">Adyen<\/a>, Stax, and Payment Depot. Please note that currently, there\u2019s no free payment gateway on the market.<\/p>\n<p>FYI, there are two types of payment gateways:<\/p>\n<ul>\n<li><strong>Third-party payment gateways:<\/strong> These send customers to an external gateway during website checkout, meaning a customer submits their card information outside of the merchant\u2019s website. Upon transaction completion, this type of gateway takes customers back to the merchant\u2019s website.<\/li>\n<li><strong>Integrated payment gateways or white-label payment gateways:<\/strong> These gateways are built into the merchant\u2019s eCommerce platform, so customers submit their card information and process their transactions on the merchant\u2019s website.<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/12&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][\/vc_column][\/vc_row][vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;#ffffff&#8221; scene_position=&#8221;center&#8221; bottom_padding=&#8221;50&#8243; bottom_padding_tablet=&#8221;0&#8243; bottom_padding_phone=&#8221;0&#8243; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; id=&#8221;s3&#8243; overlay_strength=&#8221;0.5&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_color=&#8221;#ffffff&#8221; shape_divider_position=&#8221;bottom&#8221; shape_divider_height=&#8221;15%&#8221; bg_image_animation=&#8221;none&#8221; video_mute=&#8221;true&#8221; shape_type=&#8221;straight_section&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/12&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;5\/6&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]\n<h2>What is a payment processor and how does it work?<\/h2>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][divider line_type=&#8221;Small Line&#8221; line_alignment=&#8221;center&#8221; line_thickness=&#8221;3&#8243; divider_color=&#8221;extra-color-2&#8243; custom_line_width=&#8221;55&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][image_with_animation image_url=&#8221;16114&#8243; image_size=&#8221;full&#8221; animation_type=&#8221;entrance&#8221; animation=&#8221;None&#8221; animation_movement_type=&#8221;transform_y&#8221; hover_animation=&#8221;none&#8221; alignment=&#8221;center&#8221; border_radius=&#8221;none&#8221; box_shadow=&#8221;none&#8221; image_loading=&#8221;default&#8221; max_width=&#8221;100%&#8221; max_width_mobile=&#8221;default&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]A payment processor allows merchants to accept and handle financial transactions via credit cards, debit cards, and bank accounts.<br \/>\nIn the transaction flow, the payment processor acts as the middleman between the customer\u2019s bank (the card issuer) and the merchant bank (the acquiring bank).<\/p>\n<p>Specifically, payment processors:<\/p>\n<ul>\n<li>Receive transaction details from payment gateways and validate them<\/li>\n<li>Transfer transaction data to the acquirer<\/li>\n<li>Receive authorization responses and send them to payment gateways<\/li>\n<li>Settle authorized transactions<\/li>\n<li>Provide reports for payment reconciliation<\/li>\n<\/ul>\n<p>The best payment processors include:[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]<div class=\"ntb_table_wrapper\" data-responsive='{&quot;general&quot;:{&quot;name&quot;:&quot;General&quot;,&quot;key&quot;:&quot;general&quot;,&quot;has_pro&quot;:false,&quot;options&quot;:{&quot;enable_responsive_table&quot;:{&quot;label&quot;:&quot;Enable Responsive Table&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:true}}},&quot;mode_options&quot;:{&quot;name&quot;:&quot;Mode Options&quot;,&quot;key&quot;:&quot;mode_options&quot;,&quot;has_pro&quot;:false,&quot;options&quot;:{&quot;devices&quot;:{&quot;mobile&quot;:{&quot;name&quot;:&quot;Mobile&quot;,&quot;key&quot;:&quot;mobile&quot;,&quot;disable_breakpoint&quot;:{&quot;label&quot;:&quot;Disable Breakpoint&quot;,&quot;key&quot;:&quot;disable_breakpoint&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:false},&quot;cell_direction&quot;:{&quot;label&quot;:&quot;Cell Stack Direction&quot;,&quot;type&quot;:&quot;select&quot;,&quot;value&quot;:&quot;row&quot;,&quot;items&quot;:[{&quot;label&quot;:&quot;Row&quot;,&quot;value&quot;:&quot;row&quot;},{&quot;label&quot;:&quot;Column&quot;,&quot;value&quot;:&quot;column&quot;}]},&quot;top_row_as_header&quot;:{&quot;label&quot;:&quot;Top Row As Header&quot;,&quot;key&quot;:&quot;top_row_as_header&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:true},&quot;items_per_row&quot;:{&quot;label&quot;:&quot;Items Per Header&quot;,&quot;key&quot;:&quot;items_per_header&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:1,&quot;min&quot;:1,&quot;max&quot;:5},&quot;cell_border&quot;:{&quot;label&quot;:&quot;Group Separator&quot;,&quot;key&quot;:&quot;mobile_cell_border&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:5,&quot;min&quot;:1,&quot;max&quot;:10}},&quot;tablet&quot;:{&quot;name&quot;:&quot;Tablet&quot;,&quot;key&quot;:&quot;tablet&quot;,&quot;disable_breakpoint&quot;:{&quot;label&quot;:&quot;Disable Breakpoint&quot;,&quot;key&quot;:&quot;disable_breakpoint&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:false},&quot;cell_direction&quot;:{&quot;label&quot;:&quot;Cell Stack Direction&quot;,&quot;type&quot;:&quot;select&quot;,&quot;value&quot;:&quot;column&quot;,&quot;items&quot;:[{&quot;label&quot;:&quot;Row&quot;,&quot;value&quot;:&quot;row&quot;},{&quot;label&quot;:&quot;Column&quot;,&quot;value&quot;:&quot;column&quot;}]},&quot;top_row_as_header&quot;:{&quot;label&quot;:&quot;Top Row As Header&quot;,&quot;key&quot;:&quot;top_row_as_header&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:true},&quot;items_per_row&quot;:{&quot;label&quot;:&quot;Items Per Header&quot;,&quot;key&quot;:&quot;items_per_header&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:2,&quot;min&quot;:1,&quot;max&quot;:5},&quot;cell_border&quot;:{&quot;label&quot;:&quot;Group Separator&quot;,&quot;key&quot;:&quot;tablet_cell_border&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:5,&quot;min&quot;:1,&quot;max&quot;:10}},&quot;desktop&quot;:{&quot;name&quot;:&quot;Desktop&quot;,&quot;key&quot;:&quot;desktop&quot;,&quot;top_row_as_header&quot;:{&quot;label&quot;:&quot;Top Row As Header&quot;,&quot;key&quot;:&quot;top_row_as_header&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:false,&quot;disable&quot;:true},&quot;static_top_row&quot;:{&quot;label&quot;:&quot;Static Top Row&quot;,&quot;key&quot;:&quot;static_top_row&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:false,&quot;disable&quot;:true}}}}},&quot;responsive_settings&quot;:{&quot;name&quot;:&quot;Responsive Settings&quot;,&quot;key&quot;:&quot;responsive_settings&quot;,&quot;has_pro&quot;:false,&quot;options&quot;:{&quot;devices&quot;:{&quot;mobile&quot;:{&quot;name&quot;:&quot;Mobile&quot;,&quot;key&quot;:&quot;mobile&quot;,&quot;mobile_cell_padding&quot;:{&quot;label&quot;:&quot;Cell Padding&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:10,&quot;min&quot;:0,&quot;max&quot;:50},&quot;mobile_table_alignment&quot;:{&quot;label&quot;:&quot;Table Alignment&quot;,&quot;type&quot;:&quot;alignment&quot;,&quot;value&quot;:&quot;center&quot;}},&quot;tablet&quot;:{&quot;name&quot;:&quot;Tablet&quot;,&quot;key&quot;:&quot;tablet&quot;,&quot;tablet_cell_padding&quot;:{&quot;label&quot;:&quot;Cell Padding&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:10,&quot;min&quot;:0,&quot;max&quot;:50},&quot;tablet_table_alignment&quot;:{&quot;label&quot;:&quot;Table Alignment&quot;,&quot;type&quot;:&quot;alignment&quot;,&quot;value&quot;:&quot;center&quot;}}}}}}'\n     id='ninja_table_builder_16119'\n     style=\"\n     max-height:1000px;\n     max-width: 1160px;\">\n     <table id=\"ntb_table\" role=\"table\" class=\"table ninja_tables_builder_class_16119 ntb_16119\" style=\"margin: 0px auto; table-layout: fixed; border-collapse: collapse; border: 0px solid rgb(0, 0, 0); font-family: inherit; border-spacing: 0px;\"> <tbody class=\"tbody\"><tr id=\"tr_id_6792389\" class=\"desktop-view tr_class_6792389 \" style=\"background: rgb(255, 108, 47);\"> <td id=\"td_id_44791045\" rowspan=\"1\" colspan=\"1\" class=\"td_class_44791045 table-data\" style=\"padding: 10px; max-width: 130px; min-width: 130px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_44791045\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 17px; display: block; text-align: center; color: rgb(255, 255, 255); opacity: 1; line-height: 1.2;\">Payment processor<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_22273013\" rowspan=\"1\" colspan=\"1\" class=\"td_class_22273013 table-data\" style=\"padding: 10px; max-width: 125px; min-width: 125px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_22273013\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 17px; display: block; text-align: center; color: rgb(255, 255, 255); opacity: 1; line-height: 1.2;\">Location<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_14215516\" rowspan=\"1\" colspan=\"1\" class=\"td_class_14215516 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_14215516\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 17px; display: block; text-align: center; color: rgb(255, 255, 255); opacity: 1; line-height: 1.2;\">Processing fee&nbsp;<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_44222149\" rowspan=\"1\" colspan=\"1\" class=\"td_class_44222149 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_44222149\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 17px; display: block; text-align: center; color: rgb(255, 255, 255); opacity: 1; line-height: 1.2;\">Monthly fee<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_91995191\" rowspan=\"1\" colspan=\"1\" class=\"td_class_91995191 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_91995191\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 17px; display: block; text-align: center; color: rgb(255, 255, 255); opacity: 1; line-height: 1.2;\">Best use cases<\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_3210240\" class=\"desktop-view tr_class_3210240 \" style=\"background: rgb(255, 255, 255);\"> <td id=\"td_id_11653581\" rowspan=\"1\" colspan=\"1\" class=\"td_class_11653581 table-data\" style=\"padding: 10px; max-width: 130px; min-width: 130px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_11653581\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Helcim<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_30807705\" rowspan=\"1\" colspan=\"1\" class=\"td_class_30807705 table-data\" style=\"padding: 10px; max-width: 125px; min-width: 125px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_30807705\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span class=\"hover-item\" style=\"padding: 2px 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: center; color: rgb(0, 0, 1); opacity: 1; line-height: 1.2;\">Online, in-person<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_30060922\" rowspan=\"1\" colspan=\"1\" class=\"td_class_30060922 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_30060922\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span class=\"ntb-list hover-item\" style=\"text-align: left; display: flex; justify-content: flex-start;\"><ul class=\"ntb-list-style\" style=\"padding: 0px; list-style-position: inside; list-style-type: circle;\"><li style=\"color: rgb(0, 0, 1); font-size: 15px; line-height: 20px;\"><span> <span style=\"font-weight: normal; font-style: normal; text-decoration: none; vertical-align: middle; margin-left: 0px;\">Keyed-in and online: 2.49% + 25\u00a2<\/span><\/span> <\/li><li style=\"color: rgb(0, 0, 1); font-size: 15px; line-height: 20px;\"><span> <span style=\"font-weight: normal; font-style: normal; text-decoration: none; vertical-align: middle; margin-left: 0px;\">In-person: 1.93% + 8\u00a2<\/span><\/span> <\/li><\/ul><\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_89015207\" rowspan=\"1\" colspan=\"1\" class=\"td_class_89015207 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_89015207\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">No monthly fees<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_13755673\" rowspan=\"1\" colspan=\"1\" class=\"td_class_13755673 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_13755673\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span class=\"hover-item\" style=\"padding: 2px 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 1); opacity: 1; line-height: 1.2;\">Seasonal businesses and startups<\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_8758503\" class=\"desktop-view tr_class_8758503 \" style=\"background: rgb(243, 244, 249);\"> <td id=\"td_id_56774203\" rowspan=\"1\" colspan=\"1\" class=\"td_class_56774203 table-data\" style=\"padding: 10px; max-width: 130px; min-width: 130px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_56774203\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Square<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_46177630\" rowspan=\"1\" colspan=\"1\" class=\"td_class_46177630 table-data\" style=\"padding: 10px; max-width: 125px; min-width: 125px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_46177630\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Online, in-person<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_52004592\" rowspan=\"1\" colspan=\"1\" class=\"td_class_52004592 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_52004592\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span class=\"ntb-list hover-item\" style=\"text-align: left; display: flex; justify-content: flex-start;\"><ul class=\"ntb-list-style\" style=\"padding: 0px; list-style-position: inside; list-style-type: circle;\"><li style=\"color: rgb(0, 0, 1); font-size: 15px; line-height: 20px;\"><span> <span style=\"font-weight: normal; font-style: normal; text-decoration: none; vertical-align: middle; margin-left: 0px;\">Online: From 2.9% + 30\u00a2&nbsp;<\/span><\/span> <\/li><li style=\"color: rgb(0, 0, 1); font-size: 15px; line-height: 20px;\"><span> <span style=\"font-weight: normal; font-style: normal; text-decoration: none; vertical-align: middle; margin-left: 0px;\">In-person: 2.6% + 10\u00a2&nbsp;<\/span><\/span> <\/li><li style=\"color: rgb(0, 0, 1); font-size: 15px; line-height: 20px;\"><span> <span style=\"font-weight: normal; font-style: normal; text-decoration: none; vertical-align: middle; margin-left: 0px;\">Keyed-in: 3.5% + 15\u00a2&nbsp;<\/span><\/span> <\/li><\/ul><\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_59665151\" rowspan=\"1\" colspan=\"1\" class=\"td_class_59665151 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_59665151\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">No monthly fees<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_70921635\" rowspan=\"1\" colspan=\"1\" class=\"td_class_70921635 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_70921635\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span class=\"hover-item\" style=\"padding: 2px 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 1); opacity: 1; line-height: 1.2;\">Businesses in the retail sector<\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_8833775\" class=\"desktop-view tr_class_8833775 \" style=\"background: rgb(255, 255, 255);\"> <td id=\"td_id_89615376\" rowspan=\"1\" colspan=\"1\" class=\"td_class_89615376 table-data\" style=\"padding: 10px; max-width: 130px; min-width: 130px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_89615376\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Elavon<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_77984048\" rowspan=\"1\" colspan=\"1\" class=\"td_class_77984048 table-data\" style=\"padding: 10px; max-width: 125px; min-width: 125px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_77984048\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Online, in-person<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_43797864\" rowspan=\"1\" colspan=\"1\" class=\"td_class_43797864 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_43797864\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span class=\"ntb-list hover-item\" style=\"text-align: left; display: flex; justify-content: flex-start;\"><ul class=\"ntb-list-style\" style=\"padding: 0px; list-style-position: inside; list-style-type: disc;\"><li style=\"color: rgb(0, 0, 1); font-size: 15px; line-height: 20px;\"><span> <span style=\"font-weight: normal; font-style: normal; text-decoration: none; vertical-align: middle; margin-left: 0px;\">Online: From 0.99% to 1.99% per transaction<\/span><\/span> <\/li><li style=\"color: rgb(0, 0, 1); font-size: 15px; line-height: 20px;\"><span> <span style=\"font-weight: normal; font-style: normal; text-decoration: none; vertical-align: middle; margin-left: 0px;\">In-person: From 0.99% to 1.75% per transaction<\/span><\/span> <\/li><li style=\"color: rgb(0, 0, 1); font-size: 15px; line-height: 20px;\"><span> <span style=\"font-weight: normal; font-style: normal; text-decoration: none; vertical-align: middle; margin-left: 0px;\">Transaction fees are subject to card turnover.<\/span><\/span> <\/li><\/ul><\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_20639210\" rowspan=\"1\" colspan=\"1\" class=\"td_class_20639210 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_20639210\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Online: From \u00a30 to \u00a325 per month In-person: From \u00a30 to \u00a362 per month<\/span>  <\/div> <\/div><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span class=\"ntb-list hover-item\" style=\"text-align: left; display: flex; justify-content: flex-start;\"><ul class=\"ntb-list-style\" style=\"padding: 0px; list-style-position: inside; list-style-type: disc;\"><\/ul><\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_31045995\" rowspan=\"1\" colspan=\"1\" class=\"td_class_31045995 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_31045995\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Global businesses<\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_7798828\" class=\"desktop-view tr_class_7798828 \" style=\"background: rgb(243, 244, 249);\"> <td id=\"td_id_52826234\" rowspan=\"1\" colspan=\"1\" class=\"td_class_52826234 table-data\" style=\"padding: 10px; max-width: 130px; min-width: 130px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_52826234\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Merchant One<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_24571023\" rowspan=\"1\" colspan=\"1\" class=\"td_class_24571023 table-data\" style=\"padding: 10px; max-width: 125px; min-width: 125px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_24571023\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Online, in-person<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_78834876\" rowspan=\"1\" colspan=\"1\" class=\"td_class_78834876 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_78834876\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span class=\"ntb-list hover-item\" style=\"text-align: left; display: flex; justify-content: flex-start;\"><ul class=\"ntb-list-style\" style=\"padding: 0px; list-style-position: inside; list-style-type: disc;\"><li style=\"color: rgb(0, 0, 1); font-size: 15px; line-height: 20px;\"><span> <span style=\"font-weight: normal; font-style: normal; text-decoration: none; vertical-align: middle; margin-left: 0px;\">In-person: From 0.29% to 1.55% per transaction<\/span><\/span> <\/li><li style=\"color: rgb(0, 0, 1); font-size: 15px; line-height: 20px;\"><span> <span style=\"font-weight: normal; font-style: normal; text-decoration: none; vertical-align: middle; margin-left: 0px;\">Keyed-in: From 0.29% to 1.99% per transaction<\/span><\/span> <\/li><\/ul><\/span>  <\/div> <\/div><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span class=\"ntb-list hover-item\" style=\"text-align: left; display: flex; justify-content: flex-start;\"><ul class=\"ntb-list-style\" style=\"padding: 0px; list-style-position: inside; list-style-type: disc;\"><\/ul><\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_63024955\" rowspan=\"1\" colspan=\"1\" class=\"td_class_63024955 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_63024955\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Custom, from $13.95 per month<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_42836553\" rowspan=\"1\" colspan=\"1\" class=\"td_class_42836553 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_42836553\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Small businesses with a tight budget requiring 24\/7 support<\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_9976233\" class=\"desktop-view tr_class_9976233 \" style=\"background: rgb(255, 255, 255);\"> <td id=\"td_id_99084020\" rowspan=\"1\" colspan=\"1\" class=\"td_class_99084020 table-data\" style=\"padding: 10px; max-width: 130px; min-width: 130px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_99084020\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Clover<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_29930326\" rowspan=\"1\" colspan=\"1\" class=\"td_class_29930326 table-data\" style=\"padding: 10px; max-width: 125px; min-width: 125px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_29930326\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Online, in-person<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_93548716\" rowspan=\"1\" colspan=\"1\" class=\"td_class_93548716 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_93548716\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span class=\"ntb-list hover-item\" style=\"text-align: left; display: flex; justify-content: flex-start;\"><ul class=\"ntb-list-style\" style=\"padding: 0px; list-style-position: inside; list-style-type: disc;\"><li style=\"color: rgb(0, 0, 1); font-size: 15px; line-height: 20px;\"><span> <span style=\"font-weight: normal; font-style: normal; text-decoration: none; vertical-align: middle; margin-left: 0px;\">In-person: From 2.3% + 10\u00a2<\/span><\/span> <\/li><li style=\"color: rgb(0, 0, 1); font-size: 15px; line-height: 20px;\"><span> <span style=\"font-weight: normal; font-style: normal; text-decoration: none; vertical-align: middle; margin-left: 0px;\">Keyed-in: 3.5% + 10\u00a2&nbsp;<\/span><\/span> <\/li><\/ul><\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_55245266\" rowspan=\"1\" colspan=\"1\" class=\"td_class_55245266 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_55245266\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">From $14.95 to $89.95 per month<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_86650548\" rowspan=\"1\" colspan=\"1\" class=\"td_class_86650548 table-data\" style=\"padding: 10px; max-width: 150px; min-width: 150px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_86650548\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: normal; font-style: normal; text-decoration: none; font-size: 15px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">F&amp;B businesses<\/span>  <\/div> <\/div><\/div><\/td><\/tr><\/tbody><\/table><\/div>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/12&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][\/vc_column][\/vc_row][vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;#ffffff&#8221; scene_position=&#8221;center&#8221; bottom_padding=&#8221;50&#8243; bottom_padding_tablet=&#8221;0&#8243; bottom_padding_phone=&#8221;0&#8243; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; id=&#8221;s4&#8243; overlay_strength=&#8221;0.5&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_color=&#8221;#ffffff&#8221; shape_divider_position=&#8221;bottom&#8221; shape_divider_height=&#8221;15%&#8221; bg_image_animation=&#8221;none&#8221; video_mute=&#8221;true&#8221; shape_type=&#8221;straight_section&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/12&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;5\/6&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]\n<h2>When to use a payment processor?<\/h2>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][divider line_type=&#8221;Small Line&#8221; line_alignment=&#8221;center&#8221; line_thickness=&#8221;3&#8243; divider_color=&#8221;extra-color-2&#8243; custom_line_width=&#8221;55&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]As a merchant, you should know specific cases where a payment processor is mandatory:<\/p>\n<ul>\n<li>Businesses of any size that accept electronic payments, credit or debit card transactions, e-wallets, and bank transfer<\/li>\n<li>Global businesses that accept international payments and need to simplify handling diverse currencies and <a href=\"https:\/\/www.tc-rm.ru\/blog\/multiple-payment-methods\/\">multiple payment methods<\/a><\/li>\n<li>High-traffic businesses that want to secure large volumes of payments, automate tasks like authorization, reconciliation, and reporting, and minimize manual errors<\/li>\n<li>Omnichannel businesses that want to deliver a consistent and secure payment experience across all channels<\/li>\n<\/ul>\n<p>Furthermore, you should also know whether to use a payment processor built into a POS system or a third-party payment processor.<\/p>\n<p>If you prioritize convenience of an all-in-one solution and are willing to pay slightly higher transaction fees, you can utilize a built-in payment processor. In that case, make sure you understand the fee structure, hidden fees, and binding contracts.<\/p>\n<p>On the other hand, if you want to ensure flexibility and cost-effective payment handling, you should opt for a third-party payment processor. Some POS systems, such as <a href=\"https:\/\/www.tc-rm.ru\/products\/magento-pos\/\">POS for Magento<\/a> and <a href=\"https:\/\/www.tc-rm.ru\/products\/pos-for-shopify\/\">POS for Shopify<\/a>, offer a wide range of integration with popular payment processors like <a href=\"https:\/\/www.tc-rm.ru\/blog\/paypal-pos\/\">PayPal<\/a>, <a href=\"https:\/\/www.tc-rm.ru\/blog\/pos-systems-integrate-with-stripe\/\">Stripe<\/a>, Square, Clover, etc.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/12&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][\/vc_column][\/vc_row][vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;#ffffff&#8221; scene_position=&#8221;center&#8221; bottom_padding=&#8221;50&#8243; bottom_padding_tablet=&#8221;0&#8243; bottom_padding_phone=&#8221;0&#8243; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; id=&#8221;s5&#8243; overlay_strength=&#8221;0.5&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_color=&#8221;#ffffff&#8221; shape_divider_position=&#8221;bottom&#8221; shape_divider_height=&#8221;15%&#8221; bg_image_animation=&#8221;none&#8221; video_mute=&#8221;true&#8221; shape_type=&#8221;straight_section&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/12&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;5\/6&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]\n<h2>Payment gateway vs payment processor: Comparison table<\/h2>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][divider line_type=&#8221;Small Line&#8221; line_alignment=&#8221;center&#8221; line_thickness=&#8221;3&#8243; divider_color=&#8221;extra-color-2&#8243; custom_line_width=&#8221;55&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]Although a payment processor vs gateway may seem similar, they play different yet complementary roles in the transaction process.<\/p>\n<p>On the one hand, a payment gateway is responsible for the collection, encryption, and verification of customer payment information. This is especially important during electronic payments because online payment fraud reached <a href=\"https:\/\/www.statista.com\/statistics\/1273177\/ecommerce-payment-fraud-losses-globally\/\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">$41 billion in 2022<\/a> and is forecast to double between 2023 and 2027. An Internet payment gateway helps merchants verify mobile payment, debit card, and credit card information while completing digital transactions.<\/p>\n<p>On the other hand, payment processors take charge of payment data validation and transmission, and fund settlement. They also offer additional services like fraud detection and prevention, chargeback management, and reconciliation reporting. Without them, merchants can\u2019t request and receive payment from the customer\u2019s account.<\/p>\n<p>The table below summarizes key distinctions between a payment gateway vs payment processor.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]<div class=\"ntb_table_wrapper\" data-responsive='{&quot;general&quot;:{&quot;name&quot;:&quot;General&quot;,&quot;key&quot;:&quot;general&quot;,&quot;has_pro&quot;:false,&quot;options&quot;:{&quot;enable_responsive_table&quot;:{&quot;label&quot;:&quot;Enable Responsive Table&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:true}}},&quot;mode_options&quot;:{&quot;name&quot;:&quot;Mode Options&quot;,&quot;key&quot;:&quot;mode_options&quot;,&quot;has_pro&quot;:false,&quot;options&quot;:{&quot;devices&quot;:{&quot;mobile&quot;:{&quot;name&quot;:&quot;Mobile&quot;,&quot;key&quot;:&quot;mobile&quot;,&quot;disable_breakpoint&quot;:{&quot;label&quot;:&quot;Disable Breakpoint&quot;,&quot;key&quot;:&quot;disable_breakpoint&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:false},&quot;cell_direction&quot;:{&quot;label&quot;:&quot;Cell Stack Direction&quot;,&quot;type&quot;:&quot;select&quot;,&quot;value&quot;:&quot;row&quot;,&quot;items&quot;:[{&quot;label&quot;:&quot;Row&quot;,&quot;value&quot;:&quot;row&quot;},{&quot;label&quot;:&quot;Column&quot;,&quot;value&quot;:&quot;column&quot;}]},&quot;top_row_as_header&quot;:{&quot;label&quot;:&quot;Top Row As Header&quot;,&quot;key&quot;:&quot;top_row_as_header&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:true},&quot;items_per_row&quot;:{&quot;label&quot;:&quot;Items Per Header&quot;,&quot;key&quot;:&quot;items_per_header&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:1,&quot;min&quot;:1,&quot;max&quot;:5},&quot;cell_border&quot;:{&quot;label&quot;:&quot;Group Separator&quot;,&quot;key&quot;:&quot;mobile_cell_border&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:5,&quot;min&quot;:1,&quot;max&quot;:10}},&quot;tablet&quot;:{&quot;name&quot;:&quot;Tablet&quot;,&quot;key&quot;:&quot;tablet&quot;,&quot;disable_breakpoint&quot;:{&quot;label&quot;:&quot;Disable Breakpoint&quot;,&quot;key&quot;:&quot;disable_breakpoint&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:false},&quot;cell_direction&quot;:{&quot;label&quot;:&quot;Cell Stack Direction&quot;,&quot;type&quot;:&quot;select&quot;,&quot;value&quot;:&quot;column&quot;,&quot;items&quot;:[{&quot;label&quot;:&quot;Row&quot;,&quot;value&quot;:&quot;row&quot;},{&quot;label&quot;:&quot;Column&quot;,&quot;value&quot;:&quot;column&quot;}]},&quot;top_row_as_header&quot;:{&quot;label&quot;:&quot;Top Row As Header&quot;,&quot;key&quot;:&quot;top_row_as_header&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:true},&quot;items_per_row&quot;:{&quot;label&quot;:&quot;Items Per Header&quot;,&quot;key&quot;:&quot;items_per_header&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:2,&quot;min&quot;:1,&quot;max&quot;:5},&quot;cell_border&quot;:{&quot;label&quot;:&quot;Group Separator&quot;,&quot;key&quot;:&quot;tablet_cell_border&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:5,&quot;min&quot;:1,&quot;max&quot;:10}},&quot;desktop&quot;:{&quot;name&quot;:&quot;Desktop&quot;,&quot;key&quot;:&quot;desktop&quot;,&quot;top_row_as_header&quot;:{&quot;label&quot;:&quot;Top Row As Header&quot;,&quot;key&quot;:&quot;top_row_as_header&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:false,&quot;disable&quot;:true},&quot;static_top_row&quot;:{&quot;label&quot;:&quot;Static Top Row&quot;,&quot;key&quot;:&quot;static_top_row&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:false,&quot;disable&quot;:true}}}}},&quot;responsive_settings&quot;:{&quot;name&quot;:&quot;Responsive Settings&quot;,&quot;key&quot;:&quot;responsive_settings&quot;,&quot;has_pro&quot;:false,&quot;options&quot;:{&quot;devices&quot;:{&quot;mobile&quot;:{&quot;name&quot;:&quot;Mobile&quot;,&quot;key&quot;:&quot;mobile&quot;,&quot;mobile_cell_padding&quot;:{&quot;label&quot;:&quot;Cell Padding&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:10,&quot;min&quot;:0,&quot;max&quot;:50},&quot;mobile_table_alignment&quot;:{&quot;label&quot;:&quot;Table Alignment&quot;,&quot;type&quot;:&quot;alignment&quot;,&quot;value&quot;:&quot;center&quot;}},&quot;tablet&quot;:{&quot;name&quot;:&quot;Tablet&quot;,&quot;key&quot;:&quot;tablet&quot;,&quot;tablet_cell_padding&quot;:{&quot;label&quot;:&quot;Cell Padding&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:10,&quot;min&quot;:0,&quot;max&quot;:50},&quot;tablet_table_alignment&quot;:{&quot;label&quot;:&quot;Table Alignment&quot;,&quot;type&quot;:&quot;alignment&quot;,&quot;value&quot;:&quot;center&quot;}}}}}}'\n     id='ninja_table_builder_16121'\n     style=\"\n     max-height:1000px;\n     max-width: 1160px;\">\n     <table id=\"ntb_table\" role=\"table\" class=\"table ninja_tables_builder_class_16121 ntb_16121\" style=\"margin: 0px auto;border-collapse: collapse;border: 0px solid #000000;font-family: inherit;border-spacing: 0px\"> <tbody class=\"tbody\"><tr id=\"tr_id_6792389\" class=\"desktop-view tr_class_6792389 \" style=\"background: #ff6c2f\"> <td id=\"td_id_31637129\" rowspan=\"1\" colspan=\"1\" class=\"td_class_31637129 table-data\" style=\"padding: 10px;max-width: 150px;min-width: 150px;border: 1px solid #dddddd\"><div id=\"td_id_31637129\"><\/div><\/td><td id=\"td_id_14215516\" rowspan=\"1\" colspan=\"1\" class=\"td_class_14215516 table-data\" style=\"padding: 10px;max-width: 350px;min-width: 350px;border: 1px solid #dddddd\"><div id=\"td_id_14215516\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px\"><span class=\"hover-item\" style=\"padding: 0px;font-weight: bold;font-style: normal;text-decoration: none;font-size: 18px;display: block;text-align: center;color: #ffffff;opacity: 1;line-height: 1.2\">Payment gateway<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_22273013\" rowspan=\"1\" colspan=\"1\" class=\"td_class_22273013 table-data\" style=\"padding: 10px;max-width: 350px;min-width: 350px;border: 1px solid #dddddd\"><div id=\"td_id_22273013\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px\"><span class=\"hover-item\" style=\"padding: 0px;font-weight: bold;font-style: normal;text-decoration: none;font-size: 18px;display: block;text-align: center;color: #ffffff;opacity: 1;line-height: 1.2\">Payment processor<\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_3210240\" class=\"desktop-view tr_class_3210240 \" style=\"background: #ffffff\"> <td id=\"td_id_32371317\" rowspan=\"2\" colspan=\"1\" class=\"td_class_32371317 table-data\" style=\"padding: 10px;max-width: 150px;min-width: 150px;border: 1px solid #dddddd\"><div id=\"td_id_32371317\"><div class=\"single-item item-active other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px\" data-quillbot-parent=\"xMXD4DqTsYXtZYjl2uzMR\"><span class=\"hover-item\" style=\"padding: 0px;font-weight: bold;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000000;opacity: 1;line-height: 1.2\" data-quillbot-element=\"xMXD4DqTsYXtZYjl2uzMR\">Role in the transaction process<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_30060922\" rowspan=\"1\" colspan=\"1\" class=\"td_class_30060922 table-data\" style=\"padding: 10px;max-width: 350px;min-width: 350px;border: 1px solid #dddddd\"><div id=\"td_id_30060922\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px\"><span class=\"hover-item\" style=\"padding: 0px;font-weight: normal;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000000;opacity: 1;line-height: 1.2\">Collect, encrypt, and verify payment information&nbsp;<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_30807705\" rowspan=\"1\" colspan=\"1\" class=\"td_class_30807705 table-data\" style=\"padding: 10px;max-width: 350px;min-width: 350px;border: 1px solid #dddddd\"><div id=\"td_id_30807705\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px\"><span class=\"hover-item\" style=\"padding: 0px;font-weight: normal;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000000;opacity: 1;line-height: 1.2\">Process and authorize payments, secure the fund transfer<\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_3137621\" class=\"desktop-view tr_class_3137621 \" style=\"background: #f3f4f9\"> <td id=\"td_id_99176291\" rowspan=\"0\" colspan=\"0\" class=\"td_class_99176291 table-data\" style=\"padding: 10px;max-width: 150px;min-width: 150px;display: none;border: 1px solid #dddddd\"><div id=\"td_id_99176291\"><\/div><\/td><td id=\"td_id_73137711\" rowspan=\"1\" colspan=\"1\" class=\"td_class_73137711 table-data\" style=\"padding: 10px;max-width: 350px;min-width: 350px;border: 1px solid #dddddd\"><div id=\"td_id_73137711\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px\"><span class=\"hover-item\" style=\"padding: 0px;font-weight: normal;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000000;opacity: 1;line-height: 1.2\">Intermediary between the business and the customer<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_61313211\" rowspan=\"1\" colspan=\"1\" class=\"td_class_61313211 table-data\" style=\"padding: 10px;max-width: 350px;min-width: 350px;border: 1px solid #dddddd\"><div id=\"td_id_61313211\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px\"><span class=\"hover-item\" style=\"padding: 0px;font-weight: normal;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000000;opacity: 1;line-height: 1.2\">Intermediary between the business, the customer bank, and the merchant bank<\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_8758503\" class=\"desktop-view tr_class_8758503 \" style=\"background: #ffffff\"> <td id=\"td_id_32127271\" rowspan=\"1\" colspan=\"1\" class=\"td_class_32127271 table-data\" style=\"padding: 10px;max-width: 150px;min-width: 150px;border: 1px solid #dddddd\"><div id=\"td_id_32127271\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px\"><span class=\"hover-item\" style=\"padding: 0px;font-weight: bold;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000000;opacity: 1;line-height: 1.2\">Usage<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_52004592\" rowspan=\"1\" colspan=\"1\" class=\"td_class_52004592 table-data\" style=\"padding: 10px;max-width: 350px;min-width: 350px;border: 1px solid #dddddd\"><div id=\"td_id_52004592\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px\"><span class=\"hover-item\" style=\"padding: 2px 0px;font-weight: normal;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000001;opacity: 1;line-height: 1.2\">Must integrate with a payment processor<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_46177630\" rowspan=\"1\" colspan=\"1\" class=\"td_class_46177630 table-data\" style=\"padding: 10px;max-width: 350px;min-width: 350px;border: 1px solid #dddddd\"><div id=\"td_id_46177630\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px\"><span class=\"hover-item\" style=\"padding: 0px;font-weight: normal;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000000;opacity: 1;line-height: 1.2\">May work as a stand-alone service<\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_9133233\" class=\"desktop-view tr_class_9133233 \" style=\"background: #f3f4f9\"> <td id=\"td_id_29229326\" rowspan=\"1\" colspan=\"1\" class=\"td_class_29229326 table-data\" style=\"padding: 10px;max-width: 150px;min-width: 150px;border: 1px solid #dddddd\"><div id=\"td_id_29229326\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px\"><span class=\"hover-item\" style=\"padding: 0px;font-weight: bold;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000000;opacity: 1;line-height: 1.2\">Scope of services<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_29216732\" rowspan=\"1\" colspan=\"1\" class=\"td_class_29216732 table-data\" style=\"padding: 10px;max-width: 150px;min-width: 150px;border: 1px solid #dddddd\"><div id=\"td_id_29216732\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px\"><span class=\"hover-item\" style=\"padding: 2px 0px;font-weight: normal;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000001;opacity: 1;line-height: 1.2\">Focus on securely transmitting payment data and don\u2019t inherently possess advanced fraud detection capabilities&nbsp;<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_17316622\" rowspan=\"1\" colspan=\"1\" class=\"td_class_17316622 table-data\" style=\"padding: 10px;max-width: 150px;min-width: 150px;border: 1px solid #dddddd\"><div id=\"td_id_17316622\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px\"><span class=\"hover-item\" style=\"padding: 0px;font-weight: normal;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000000;opacity: 1;line-height: 1.2\">Offer a range of services, including transaction processing, fraud detection, chargeback management, and compliance with payment regulations<\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_1771772\" class=\"desktop-view tr_class_1771772 \" style=\"background: #ffffff\"> <td id=\"td_id_47174232\" rowspan=\"1\" colspan=\"1\" class=\"td_class_47174232 table-data\" style=\"padding: 10px;max-width: 150px;min-width: 150px;border: 1px solid #dddddd\"><div id=\"td_id_47174232\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px\"><span class=\"hover-item\" style=\"padding: 0px;font-weight: bold;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000000;opacity: 1;line-height: 1.2\">Integration with business systems<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_17427177\" rowspan=\"1\" colspan=\"1\" class=\"td_class_17427177 table-data\" style=\"padding: 10px;max-width: 150px;min-width: 150px;border: 1px solid #dddddd\"><div id=\"td_id_17427177\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px\"><span class=\"hover-item\" style=\"padding: 2px 0px;font-weight: normal;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000001;opacity: 1;line-height: 1.2\">Provide easy payment gateway integration through APIs with business systems such as eCommerce platforms, accounting, CRM software to streamline business operations<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_22272143\" rowspan=\"1\" colspan=\"1\" class=\"td_class_22272143 table-data\" style=\"padding: 10px;max-width: 150px;min-width: 150px;border: 1px solid #dddddd\"><div id=\"td_id_22272143\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px\"><span class=\"hover-item\" style=\"padding: 0px;font-weight: normal;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000000;opacity: 1;line-height: 1.2\">Provide payment integrations with other business workflows such as CRM, accounting, and billing.\nRequire complex setup procedures and a merchant account to process transactions\n<\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_1835118\" class=\"desktop-view tr_class_1835118 \" style=\"background: #f3f4f9\"> <td id=\"td_id_11815511\" rowspan=\"1\" colspan=\"1\" class=\"td_class_11815511 table-data\" style=\"padding: 10px;max-width: 150px;min-width: 150px;border: 1px solid #dddddd\"><div id=\"td_id_11815511\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px\"><span class=\"hover-item\" style=\"padding: 0px;font-weight: bold;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000000;opacity: 1;line-height: 1.2\">Best for<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_81601277\" rowspan=\"1\" colspan=\"1\" class=\"td_class_81601277 table-data\" style=\"padding: 10px;max-width: 150px;min-width: 150px;border: 1px solid #dddddd\"><div id=\"td_id_81601277\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px\"><span class=\"hover-item\" style=\"padding: 2px 0px;font-weight: normal;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000001;opacity: 1;line-height: 1.2\">eCommerce payments,&nbsp; card-not-present transactions, subscription-based services, and businesses without a full POS system<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_16887171\" rowspan=\"1\" colspan=\"1\" class=\"td_class_16887171 table-data\" style=\"padding: 10px;max-width: 150px;min-width: 150px;border: 1px solid #dddddd\"><div id=\"td_id_16887171\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px\"><span class=\"hover-item\" style=\"padding: 2px 0px;font-weight: normal;font-style: normal;text-decoration: none;font-size: 15px;display: block;text-align: left;color: #000001;opacity: 1;line-height: 1.2\">Overseas transactions, businesses using a POS system, omnichannel retailers, and high-volume merchants<\/span>  <\/div> <\/div><\/div><\/td><\/tr><\/tbody><\/table><\/div>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; 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column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;5\/6&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]\n<h2>How do payment processors and payment gateways work together?<\/h2>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][divider line_type=&#8221;Small Line&#8221; line_alignment=&#8221;center&#8221; line_thickness=&#8221;3&#8243; divider_color=&#8221;extra-color-2&#8243; custom_line_width=&#8221;55&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][image_with_animation image_url=&#8221;16115&#8243; image_size=&#8221;full&#8221; animation_type=&#8221;entrance&#8221; animation=&#8221;None&#8221; animation_movement_type=&#8221;transform_y&#8221; hover_animation=&#8221;none&#8221; alignment=&#8221;center&#8221; border_radius=&#8221;none&#8221; box_shadow=&#8221;none&#8221; image_loading=&#8221;default&#8221; max_width=&#8221;100%&#8221; max_width_mobile=&#8221;default&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]Payment processors vs payment gateways have different functions in the payment processing flow. The two components work together to facilitate smooth communication and safe data transfer between merchants, customers, and banks.<\/p>\n<p>Here\u2019s how a payment gateway vs processor collaborates during a transaction:<\/p>\n<ul>\n<li>First, the customer starts a transaction by giving the business their payment information.<\/li>\n<li>Second, the <strong>payment gateway<\/strong> receives the transaction information from the checkout page, encrypts it, and sends it to the <strong>payment processor.<\/strong><\/li>\n<li>The <strong>payment processor<\/strong> then forwards it to the card issuing bank (the customer bank) to request payment authorization for the transaction.<\/li>\n<li>The issuing bank verifies the payment details, checks for available funds, and then either approves or declines the transaction. After that, it transmits this approval or decline message to the<strong> payment processor<\/strong>.<\/li>\n<li>Next, the <strong>payment processor<\/strong> shares the authorization response from the issuing bank to the <strong>payment gateway<\/strong>.<\/li>\n<li><strong>The payment gateway<\/strong> sends the response back to the business, which displays the \u201ctransaction approved\u201d or \u201ctransaction declined\u201d message to the customer.<\/li>\n<li>If the transaction is approved, the <strong>payment processor<\/strong> coordinates the fund transfer from the customer bank to the business bank account. This process, called payment settlement, typically takes a few business days to complete.<\/li>\n<li>Finally, <strong>the payment processor<\/strong> provides reports for the business to reconcile transactions.<\/li>\n<\/ul>\n<p>The collaboration of the payment gateway and payment processor helps businesses handle sensitive payment information securely and efficiently. The two components working together also ensure that the payment process adheres to information security protocols such as <a href=\"https:\/\/www.tc-rm.ru\/blog\/pci-compliance-guide-for-retailers\/\">PCI DSS<\/a> (Payment Card Industry Data Security Standard).<\/p>\n<p><strong>Related post: <\/strong><\/p>\n<p><a href=\"https:\/\/www.tc-rm.ru\/blog\/how-retailers-can-process-payments-in-store\/\">How retailers can process payments in-store<\/a>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/12&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][\/vc_column][\/vc_row][vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;#ffffff&#8221; scene_position=&#8221;center&#8221; bottom_padding=&#8221;50&#8243; bottom_padding_tablet=&#8221;0&#8243; bottom_padding_phone=&#8221;0&#8243; text_color=&#8221;dark&#8221; 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column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/12&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;5\/6&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]\n<h2>What do I need: A payment gateway, a payment processor, or both?<\/h2>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][divider line_type=&#8221;Small Line&#8221; line_alignment=&#8221;center&#8221; line_thickness=&#8221;3&#8243; divider_color=&#8221;extra-color-2&#8243; custom_line_width=&#8221;55&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]Your business type and offered payment options will determine if you need a payment gateway, a payment processor, or both.<\/p>\n<p>If you have an omnichannel business or global operations, you should invest in payment processing platforms for smooth, secure, and consistent transactions across channels and currencies. Moreover, when you process a high volume of transactions every day, you\u2019ll need a payment processor to minimize errors and automatically generate reports for reconciliation.<\/p>\n<p>If you have online stores, process phone or mail orders, offer subscription services, or don\u2019t have a complete POS system, you\u2019ll need a payment gateway to securely process payments and manage recurring charges.<\/p>\n<p>Note that a payment gateway needs to work with a payment processor. Many payment processing companies, such as Adyen, PayPal, and Stripe, offer end-to-end <a href=\"https:\/\/www.tc-rm.ru\/blog\/credit-card-processing\/\">card processing services<\/a> including both the payment gateway and payment processor. For brick-and-mortar businesses, your payment gateway might be built into your POS hardware.<\/p>\n<p>If you process eCommerce transactions or accept card payments without a full POS system, you\u2019ll need both online payment processors vs payment gateways to ensure secure and efficient transactions.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/12&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][\/vc_column][\/vc_row][vc_row type=&#8221;full_width_background&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; bg_color=&#8221;#ffffff&#8221; scene_position=&#8221;center&#8221; bottom_padding_tablet=&#8221;0&#8243; bottom_padding_phone=&#8221;0&#8243; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; overlay_strength=&#8221;0.5&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_color=&#8221;#ffffff&#8221; shape_divider_position=&#8221;bottom&#8221; shape_divider_height=&#8221;15%&#8221; bg_image_animation=&#8221;none&#8221; video_mute=&#8221;true&#8221; shape_type=&#8221;straight_section&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/12&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;5\/6&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]\n<h2>FAQ<\/h2>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][divider line_type=&#8221;Small Line&#8221; line_alignment=&#8221;center&#8221; line_thickness=&#8221;3&#8243; divider_color=&#8221;extra-color-2&#8243; custom_line_width=&#8221;55&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]\n<h3 style=\"text-align: left;\">1. Can a payment gateway be a payment processor?<\/h3>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]No, payment gateways vs payment processors are distinct components of the transaction process. Payment gateways step in first to encrypt and transfer payment information to the payment processor. Payment processors then verify the card information and facilitate the fund transfer.<\/p>\n<p>However, some <a href=\"https:\/\/www.tc-rm.ru\/blog\/how-to-choose-a-payment-service-provider\/\">payment service providers<\/a> offer end-to-end payment solutions, including both a secure payment processor and a payment gateway under one brand name, such as Adyen, Stripe, and PayPal.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]\n<h3 style=\"text-align: left;\">2. Are Amazon Pay, PayPal, Authorize.net, Stripe, Square, Worldpay, and Visa payment gateways or payment processors?<\/h3>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]Some of them are either a payment gateway or a payment processor while others are both. Let\u2019s see the summary below.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]<div class=\"ntb_table_wrapper\" data-responsive='{&quot;general&quot;:{&quot;name&quot;:&quot;General&quot;,&quot;key&quot;:&quot;general&quot;,&quot;has_pro&quot;:false,&quot;options&quot;:{&quot;enable_responsive_table&quot;:{&quot;label&quot;:&quot;Enable Responsive Table&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:true}}},&quot;mode_options&quot;:{&quot;name&quot;:&quot;Mode Options&quot;,&quot;key&quot;:&quot;mode_options&quot;,&quot;has_pro&quot;:false,&quot;options&quot;:{&quot;devices&quot;:{&quot;mobile&quot;:{&quot;name&quot;:&quot;Mobile&quot;,&quot;key&quot;:&quot;mobile&quot;,&quot;disable_breakpoint&quot;:{&quot;label&quot;:&quot;Disable Breakpoint&quot;,&quot;key&quot;:&quot;disable_breakpoint&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:false},&quot;cell_direction&quot;:{&quot;label&quot;:&quot;Cell Stack Direction&quot;,&quot;type&quot;:&quot;select&quot;,&quot;value&quot;:&quot;row&quot;,&quot;items&quot;:[{&quot;label&quot;:&quot;Row&quot;,&quot;value&quot;:&quot;row&quot;},{&quot;label&quot;:&quot;Column&quot;,&quot;value&quot;:&quot;column&quot;}]},&quot;top_row_as_header&quot;:{&quot;label&quot;:&quot;Top Row As Header&quot;,&quot;key&quot;:&quot;top_row_as_header&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:true},&quot;items_per_row&quot;:{&quot;label&quot;:&quot;Items Per Header&quot;,&quot;key&quot;:&quot;items_per_header&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:1,&quot;min&quot;:1,&quot;max&quot;:5},&quot;cell_border&quot;:{&quot;label&quot;:&quot;Group Separator&quot;,&quot;key&quot;:&quot;mobile_cell_border&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:5,&quot;min&quot;:1,&quot;max&quot;:10}},&quot;tablet&quot;:{&quot;name&quot;:&quot;Tablet&quot;,&quot;key&quot;:&quot;tablet&quot;,&quot;disable_breakpoint&quot;:{&quot;label&quot;:&quot;Disable Breakpoint&quot;,&quot;key&quot;:&quot;disable_breakpoint&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:false},&quot;cell_direction&quot;:{&quot;label&quot;:&quot;Cell Stack Direction&quot;,&quot;type&quot;:&quot;select&quot;,&quot;value&quot;:&quot;column&quot;,&quot;items&quot;:[{&quot;label&quot;:&quot;Row&quot;,&quot;value&quot;:&quot;row&quot;},{&quot;label&quot;:&quot;Column&quot;,&quot;value&quot;:&quot;column&quot;}]},&quot;top_row_as_header&quot;:{&quot;label&quot;:&quot;Top Row As Header&quot;,&quot;key&quot;:&quot;top_row_as_header&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:true},&quot;items_per_row&quot;:{&quot;label&quot;:&quot;Items Per Header&quot;,&quot;key&quot;:&quot;items_per_header&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:2,&quot;min&quot;:1,&quot;max&quot;:5},&quot;cell_border&quot;:{&quot;label&quot;:&quot;Group Separator&quot;,&quot;key&quot;:&quot;tablet_cell_border&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:5,&quot;min&quot;:1,&quot;max&quot;:10}},&quot;desktop&quot;:{&quot;name&quot;:&quot;Desktop&quot;,&quot;key&quot;:&quot;desktop&quot;,&quot;top_row_as_header&quot;:{&quot;label&quot;:&quot;Top Row As Header&quot;,&quot;key&quot;:&quot;top_row_as_header&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:false,&quot;disable&quot;:true},&quot;static_top_row&quot;:{&quot;label&quot;:&quot;Static Top Row&quot;,&quot;key&quot;:&quot;static_top_row&quot;,&quot;type&quot;:&quot;switch&quot;,&quot;value&quot;:false,&quot;disable&quot;:true}}}}},&quot;responsive_settings&quot;:{&quot;name&quot;:&quot;Responsive Settings&quot;,&quot;key&quot;:&quot;responsive_settings&quot;,&quot;has_pro&quot;:false,&quot;options&quot;:{&quot;devices&quot;:{&quot;mobile&quot;:{&quot;name&quot;:&quot;Mobile&quot;,&quot;key&quot;:&quot;mobile&quot;,&quot;mobile_cell_padding&quot;:{&quot;label&quot;:&quot;Cell Padding&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:10,&quot;min&quot;:0,&quot;max&quot;:50},&quot;mobile_table_alignment&quot;:{&quot;label&quot;:&quot;Table Alignment&quot;,&quot;type&quot;:&quot;alignment&quot;,&quot;value&quot;:&quot;center&quot;}},&quot;tablet&quot;:{&quot;name&quot;:&quot;Tablet&quot;,&quot;key&quot;:&quot;tablet&quot;,&quot;tablet_cell_padding&quot;:{&quot;label&quot;:&quot;Cell Padding&quot;,&quot;type&quot;:&quot;slider&quot;,&quot;value&quot;:10,&quot;min&quot;:0,&quot;max&quot;:50},&quot;tablet_table_alignment&quot;:{&quot;label&quot;:&quot;Table Alignment&quot;,&quot;type&quot;:&quot;alignment&quot;,&quot;value&quot;:&quot;center&quot;}}}}}}'\n     id='ninja_table_builder_16122'\n     style=\"\n     max-height:1000px;\n     max-width: 1160px;\">\n     <table id=\"ntb_table\" role=\"table\" class=\"table ninja_tables_builder_class_16122 ntb_16122\" style=\"margin: 0px auto; table-layout: fixed; border-collapse: collapse; border: 0px solid rgb(0, 0, 0); font-family: inherit; border-spacing: 0px;\"> <tbody class=\"tbody\"><tr id=\"tr_id_6792389\" class=\"desktop-view tr_class_6792389\" draggable=\"false\" style=\"background: rgb(255, 108, 47);\"> <td id=\"td_id_31637129\" rowspan=\"1\" colspan=\"1\" class=\"td_class_31637129 table-data\" style=\"padding: 10px; max-width: 180px; min-width: 180px; border: 1px solid rgb(221, 221, 221);\" cellindex=\"1\"><div id=\"td_id_31637129\"><\/div><\/td><td id=\"td_id_14215516\" rowspan=\"1\" colspan=\"1\" class=\"td_class_14215516 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\" cellindex=\"2\"><div id=\"td_id_14215516\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 18px; display: block; text-align: center; color: rgb(255, 255, 255); opacity: 1; line-height: 1.2;\">Payment gateway<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_22273013\" rowspan=\"1\" colspan=\"1\" class=\"td_class_22273013 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\" cellindex=\"3\"><div id=\"td_id_22273013\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 18px; display: block; text-align: center; color: rgb(255, 255, 255); opacity: 1; line-height: 1.2;\">Payment processor<\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_3210240\" class=\"desktop-view tr_class_3210240 \" style=\"background: rgb(255, 255, 255);\"> <td id=\"td_id_32371317\" rowspan=\"1\" colspan=\"1\" class=\"td_class_32371317 table-data\" style=\"padding: 10px; max-width: 180px; min-width: 180px; border: 1px solid rgb(221, 221, 221);\" cellindex=\"4\"><div id=\"td_id_32371317\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 16px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Amazon Pay<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_30060922\" rowspan=\"1\" colspan=\"1\" class=\"td_class_30060922 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\" cellindex=\"5\"><div id=\"td_id_30060922\"><div class=\"single-item other-item\" draggable=\"false\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span><span class=\"hover-item\" style=\"padding: 0px; display: block;\"><span class=\"svgIcon\" style=\"width: 25px; height: 25px; mask-image: url(&quot;https:\/\/www.tc-rm.ru\/wp-content\/plugins\/ninja-tables-pro\/\/assets\/libs\/icons\/checkmark-circle.svg&quot;); background: rgb(55, 157, 19); display: block; margin-left: auto; margin-right: auto;\"><\/span><\/span><\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_30807705\" rowspan=\"1\" colspan=\"1\" class=\"td_class_30807705 table-data\" cellindex=\"6\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_30807705\"><\/div><\/td><\/tr><tr id=\"tr_id_8758503\" class=\"desktop-view tr_class_8758503 \" style=\"background: rgb(243, 244, 249);\"> <td id=\"td_id_32127271\" rowspan=\"1\" colspan=\"1\" class=\"td_class_32127271 table-data\" style=\"padding: 10px; max-width: 180px; min-width: 180px; border: 1px solid rgb(221, 221, 221);\" cellindex=\"7\"><div id=\"td_id_32127271\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 16px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Authorize.net<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_52004592\" rowspan=\"1\" colspan=\"1\" class=\"td_class_52004592 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\" cellindex=\"8\"><div id=\"td_id_52004592\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span><span class=\"hover-item\" style=\"padding: 0px; display: block;\"><span class=\"svgIcon\" style=\"width: 25px; height: 25px; mask-image: url(&quot;https:\/\/www.tc-rm.ru\/wp-content\/plugins\/ninja-tables-pro\/\/assets\/libs\/icons\/checkmark-circle.svg&quot;); background: rgb(55, 157, 19); display: block; margin-left: auto; margin-right: auto;\"><\/span><\/span><\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_46177630\" rowspan=\"1\" colspan=\"1\" class=\"td_class_46177630 table-data\" cellindex=\"9\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\"><div id=\"td_id_46177630\"><\/div><\/td><\/tr><tr id=\"tr_id_9133233\" class=\"desktop-view tr_class_9133233\" draggable=\"false\" style=\"background: rgb(255, 255, 255);\"> <td id=\"td_id_29229326\" rowspan=\"1\" colspan=\"1\" class=\"td_class_29229326 table-data\" style=\"padding: 10px; max-width: 180px; min-width: 180px; border: 1px solid rgb(221, 221, 221);\" cellindex=\"10\"><div id=\"td_id_29229326\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 16px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">PayPal<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_29216732\" rowspan=\"1\" colspan=\"1\" class=\"td_class_29216732 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\" cellindex=\"11\"><div id=\"td_id_29216732\"><div class=\"single-item other-item\" draggable=\"false\" style=\"\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span><span class=\"hover-item\" style=\"padding: 0px; display: block;\"><span class=\"svgIcon\" style=\"width: 25px; height: 25px; mask-image: url(&quot;https:\/\/www.tc-rm.ru\/wp-content\/plugins\/ninja-tables-pro\/\/assets\/libs\/icons\/checkmark-circle.svg&quot;); background: rgb(55, 157, 19); display: block; margin-left: auto; margin-right: auto;\"><\/span><\/span><\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_17316622\" rowspan=\"1\" colspan=\"1\" class=\"td_class_17316622 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\" cellindex=\"12\"><div id=\"td_id_17316622\"><div class=\"single-item other-item\" draggable=\"false\" style=\"\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span><span class=\"hover-item\" style=\"padding: 0px; display: block;\"><span class=\"svgIcon\" style=\"width: 25px; height: 25px; mask-image: url(&quot;https:\/\/www.tc-rm.ru\/wp-content\/plugins\/ninja-tables-pro\/\/assets\/libs\/icons\/checkmark-circle.svg&quot;); background: rgb(55, 157, 19); display: block; margin-left: auto; margin-right: auto;\"><\/span><\/span><\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_1771772\" class=\"desktop-view tr_class_1771772 \" style=\"background: rgb(243, 244, 249);\"> <td id=\"td_id_47174232\" rowspan=\"1\" colspan=\"1\" class=\"td_class_47174232 table-data\" style=\"padding: 10px; max-width: 180px; min-width: 180px; border: 1px solid rgb(221, 221, 221);\" cellindex=\"13\"><div id=\"td_id_47174232\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 16px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Stripe<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_17427177\" rowspan=\"1\" colspan=\"1\" class=\"td_class_17427177 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\" cellindex=\"14\"><div id=\"td_id_17427177\"><div class=\"single-item other-item\" draggable=\"false\" style=\"\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span><span class=\"hover-item\" style=\"padding: 0px; display: block;\"><span class=\"svgIcon\" style=\"width: 25px; height: 25px; mask-image: url(&quot;https:\/\/www.tc-rm.ru\/wp-content\/plugins\/ninja-tables-pro\/\/assets\/libs\/icons\/checkmark-circle.svg&quot;); background: rgb(55, 157, 19); display: block; margin-left: auto; margin-right: auto;\"><\/span><\/span><\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_22272143\" rowspan=\"1\" colspan=\"1\" class=\"td_class_22272143 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\" cellindex=\"15\"><div id=\"td_id_22272143\"><div class=\"single-item other-item\" draggable=\"false\" style=\"\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span><span class=\"hover-item\" style=\"padding: 0px; display: block;\"><span class=\"svgIcon\" style=\"width: 25px; height: 25px; mask-image: url(&quot;https:\/\/www.tc-rm.ru\/wp-content\/plugins\/ninja-tables-pro\/\/assets\/libs\/icons\/checkmark-circle.svg&quot;); background: rgb(55, 157, 19); display: block; margin-left: auto; margin-right: auto;\"><\/span><\/span><\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_1835118\" class=\"desktop-view tr_class_1835118 \" style=\"background: rgb(255, 255, 255);\"> <td id=\"td_id_11815511\" rowspan=\"1\" colspan=\"1\" class=\"td_class_11815511 table-data\" style=\"padding: 10px; max-width: 180px; min-width: 180px; border: 1px solid rgb(221, 221, 221);\" cellindex=\"16\"><div id=\"td_id_11815511\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 16px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Square<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_81601277\" rowspan=\"1\" colspan=\"1\" class=\"td_class_81601277 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\" cellindex=\"17\"><div id=\"td_id_81601277\"><div class=\"single-item other-item\" draggable=\"false\" style=\"\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span><span class=\"hover-item\" style=\"padding: 0px; display: block;\"><span class=\"svgIcon\" style=\"width: 25px; height: 25px; mask-image: url(&quot;https:\/\/www.tc-rm.ru\/wp-content\/plugins\/ninja-tables-pro\/\/assets\/libs\/icons\/checkmark-circle.svg&quot;); background: rgb(55, 157, 19); display: block; margin-left: auto; margin-right: auto;\"><\/span><\/span><\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_16887171\" rowspan=\"1\" colspan=\"1\" class=\"td_class_16887171 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\" cellindex=\"18\"><div id=\"td_id_16887171\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span><span class=\"hover-item\" style=\"padding: 0px; display: block;\"><span class=\"svgIcon\" style=\"width: 25px; height: 25px; mask-image: url(&quot;https:\/\/www.tc-rm.ru\/wp-content\/plugins\/ninja-tables-pro\/\/assets\/libs\/icons\/checkmark-circle.svg&quot;); background: rgb(55, 157, 19); display: block; margin-left: auto; margin-right: auto;\"><\/span><\/span><\/span>  <\/div> <\/div><\/div><\/td><\/tr><tr id=\"tr_id_2277990\" class=\"desktop-view tr_class_2277990 \" style=\"background: rgb(243, 244, 249);\"> <td id=\"td_id_70471866\" rowspan=\"1\" colspan=\"1\" class=\"td_class_70471866 table-data\" style=\"padding: 10px; max-width: 180px; min-width: 180px; border: 1px solid rgb(221, 221, 221);\" cellindex=\"19\"><div id=\"td_id_70471866\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 0px;\"><span class=\"hover-item\" style=\"padding: 0px; font-weight: bold; font-style: normal; text-decoration: none; font-size: 16px; display: block; text-align: left; color: rgb(0, 0, 0); opacity: 1; line-height: 1.2;\">Worldpay<\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_41670159\" rowspan=\"1\" colspan=\"1\" class=\"td_class_41670159 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\" cellindex=\"20\"><div id=\"td_id_41670159\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span><span class=\"hover-item\" style=\"padding: 0px; display: block;\"><span class=\"svgIcon\" style=\"width: 25px; height: 25px; mask-image: url(&quot;https:\/\/www.tc-rm.ru\/wp-content\/plugins\/ninja-tables-pro\/\/assets\/libs\/icons\/checkmark-circle.svg&quot;); background: rgb(55, 157, 19); display: block; margin-left: auto; margin-right: auto;\"><\/span><\/span><\/span>  <\/div> <\/div><\/div><\/td><td id=\"td_id_21696299\" rowspan=\"1\" colspan=\"1\" class=\"td_class_21696299 table-data\" style=\"padding: 10px; max-width: 250px; min-width: 250px; border: 1px solid rgb(221, 221, 221);\" cellindex=\"21\"><div id=\"td_id_21696299\"><div class=\"single-item other-item\"><div class=\"ntb-datas-wrapper\" style=\"margin: 1px;\"><span><span class=\"hover-item\" style=\"padding: 0px; display: block;\"><span class=\"svgIcon\" style=\"width: 25px; height: 25px; mask-image: url(&quot;https:\/\/www.tc-rm.ru\/wp-content\/plugins\/ninja-tables-pro\/\/assets\/libs\/icons\/checkmark-circle.svg&quot;); background: rgb(55, 157, 19); display: block; margin-left: auto; margin-right: auto;\"><\/span><\/span><\/span>  <\/div> <\/div><\/div><\/td><\/tr><\/tbody><\/table><\/div>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]Visa is neither a payment gateway nor a payment processor. It\u2019s a card network that provides a communication system between issuing banks and businesses to process credit card transactions.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]\n<h3 style=\"text-align: left;\">3. What is the difference between a payment gateway and a POS?<\/h3>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]A POS consists of hardware, software, and payment services that help businesses accept payments and complete sales. POS systems can be physical devices in brick-and-mortar stores, or checkout points in online stores.<\/p>\n<p>While point of sale processing includes logging purchased items, processing payments, and generating receipts, payment gateways receive payment information from the POS and send it to payment processors for verification. When processing an electronic trans[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]\n<h3 style=\"text-align: left;\">4. What are the differences between these terms?<\/h3>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]\n<h4 style=\"text-align: left;\">Payment gateway vs payment aggregator<\/h4>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]A payment gateway is a technology that allows merchants to securely transfer funds by collecting, encrypting, and verifying customer payment information.<\/p>\n<p>A payment aggregator is a financial organization that consolidates multiple merchant accounts and payment gateways into a single setup. It allows merchants to eliminate the need for individual contracts with acquiring banks, thereby accepting payments more conveniently.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]\n<h4 style=\"text-align: left;\"><strong>Payment facilitator vs payment processor<\/strong><\/h4>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]<span style=\"font-weight: 400;\">A payment facilitator<\/span> <span style=\"font-weight: 400;\">(payfac)<\/span><span style=\"font-weight: 400;\"> provides <\/span><span style=\"font-weight: 400;\">merchant services<\/span><span style=\"font-weight: 400;\">. It contracts with a merchant acquirer for <\/span><span style=\"font-weight: 400;\">payment acceptance<\/span><span style=\"font-weight: 400;\"> on behalf of their merchants, also known as sub-merchants.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Payment processors allow merchants to start accepting payments and route transactions through banks and <\/span><span style=\"font-weight: 400;\">card networks.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]\n<h4 style=\"text-align: left;\">Merchant acquirer vs payment processor<\/h4>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]In the payment flow, the transaction data reaches the payment processor first and then travels to the merchant acquirer.<\/p>\n<p>Specifically, a payment processor authorizes and securely transfers transaction data to the merchant acquirer.<\/p>\n<p>A merchant acquirer (also an acquirer or acquiring bank) receives the payment information from the payment processor, authorizes the transaction with the issuing bank, and facilitates the settlement of funds. It also manages merchant accounts and allows merchants to process payments securely and quickly.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]\n<h4 style=\"text-align: left;\">Money transmitter vs payment processor<\/h4>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]<strong>Purpose:<\/strong> Money transmitters serve individuals and businesses who want to send money overseas or to individuals without access to traditional banking services. On the other hand, payment processors serve a wide range of users, including online businesses, retailers, service providers, etc.<\/p>\n<p><strong>Regulation compliance:<\/strong> Payment processors adhere to PCI compliances to ensure security standards. Money transmitters have to comply with stricter and more extensive regulations due to higher risks of illegal activities.<\/p>\n<p><strong>Payment method:<\/strong> Money transmitters typically accept cash or bank transfers, while payment processors accept various payment options such as credit and debit cards, bank transfers, and e-wallets.<\/p>\n<p><strong>Transaction fee and limit:<\/strong> Money transmitters often have lower transaction limits, while payment processors offer lower transaction fees.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]\n<h4 style=\"text-align: left;\">Payment gateway vs payment processor vs merchant account<\/h4>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]A payment gateway encrypts customer information and transmits it for authorization.<\/p>\n<p>A payment processor receives transaction details from a payment gateway, authorizes, and processes transactions.<\/p>\n<p>A merchant account holds funds from customer transactions for payment verification before transferring them to the business bank account.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; centered_text=&#8221;true&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; overflow=&#8221;visible&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]\n<h4 style=\"text-align: left;\">Card network vs payment processor<\/h4>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; 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text_direction=&#8221;default&#8221;]The payment processor sends the transaction data to the acquiring bank, which transmits it to the card network.<\/p>\n<p>The card network then directs the transaction to the issuing bank for authorization and relays the authorization response to the acquiring bank.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; text_align=&#8221;left&#8221; row_position=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; pointer_events=&#8221;all&#8221;][vc_column_inner column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; 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