Supports real time payments
Coupons, Discounts, Promotions, and Gift Cards
Ability to accept coupons, discounts, promotions, and gift cards.
(Based on 24 reviews)
Ability to charge customers on a recurring basis for subscription-based purchases
Customer data is securely stored so there is no need to repeatedly enter data for multiple purchases
Accepted Credit Cards and Debit Cards
Ability to accept different types of credit and debit cards
ACH Payments and eCheck Processing
Ability to accept and process eChecks and ACH payments as a form of payment
(Based on 21 reviews)
Ability to split payments between merchant and sellers
(Based on 13 reviews)
Access pre-built and custom reports and dashboards.
User, Role, and Access Management
Grant access to select data, features, objects, etc. based on the users, user role, groups, etc.
(Based on 30 reviews)
Turnaround time for money to be transferred to the merchant's bank account
Manual Payment Entry
Web form that the merchant can use to enter credit card payments manually (from over the phone, mail, etc) and issue returns or void previous transactions
The process for handling chargebacks and disputes with the payment gateway.
Ensures that the service is building and maintaining a secure network; protecting cardholder data; maintaining a vulnerability management program; implementing strong access control measures; regularly monitoring and testing networks; and maintaining an information security policy
Fraud Protection Tools
Fraud protection filters such as high risk countries, email service provider risk, high risk BIN, account number velocity, high item number, shipping/billing mismatch, AVS failure, CSC failure, and others
(Based on 34 reviews)
Sensitive data (personal info, CC info, etc) is replaced with non-sensitive equivalent, aka a Token. The tokens act as a reference that maps back to the sensitive data through a tokenization system.
An additional layer of security to prevent fraudulent activity (such as creating an account and verifying an email address and cell phone number)
(Based on 20 reviews)
Customization (Fields, Objects, and Layouts)
Allows developers to customize payment form to accommodate their unique processes.
Application Programming Interface - Specification for how the application communicates with other software. API's typically enable integration of data, logic, objects, etc with other software applications.
Accounting Software Integration
Provides standard integration with merchant's accounting software
(Based on 17 reviews)
E-Commerce Software Integration
Provides standard integration with merchant's e-commerce software
Performance and Reliability
Payment gateway is consistently available (up-time) and allows users to complete tasks quickly because they are not waiting for the gateway to respond to an action they took. System scales with load.
(Based on 38 reviews)
Internationalization - Currency/Language
The gateway supports multiple currencies and languages to enable business from customers in multiple countries
Internationalization - Operating Country
The payment gateway is supported in the country in which the merchant operates
(Based on 29 reviews)
API / Integrations
Application Programming Interface—Specification for how the application communicates with other software. API's typically enable integration of data, logic, objects, etc. with other software applications.
PCI Regulation Compliance
Complies with payment card industry (PCI) regulations
Supports EMV chip card and Near Field Communications (NFC) technologies