Supports real time payments
Coupons, Discounts, Promotions, and Gift Cards
Ability to accept coupons, discounts, promotions, and gift cards.
Ability to charge customers on a recurring basis for subscription-based purchases
(Based on 42 reviews)
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
(Based on 58 reviews)
ACH Payments and eCheck Processing
Ability to accept and process eChecks and ACH payments as a form of payment
Ability to split payments between merchant and sellers
(Based on 25 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.
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
(Based on 51 reviews)
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
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.
(Based on 37 reviews)
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 34 reviews)
Customization (Fields, Objects, and Layouts)
Allows developers to customize payment form to accommodate their unique processes.
(Based on 41 reviews)
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
E-Commerce Software Integration
Provides standard integration with merchant's e-commerce software
(Based on 38 reviews)
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 52 reviews)
Internationalization - Currency/Language
The gateway supports multiple currencies and languages to enable business from customers in multiple countries
(Based on 32 reviews)
Internationalization - Operating Country
The payment gateway is supported in the country in which the merchant operates
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.
(Based on 10 reviews)
PCI Regulation Compliance
Complies with payment card industry (PCI) regulations
(Based on 9 reviews)
Supports EMV chip card and Near Field Communications (NFC) technologies