Payment gateways accept all major credit cards such as Visa, Mastercard, or American Express.

The price depends on the payment gateway provider, credit or debit card provider, and merchant service provider. Get in touch today and a member of our team would be happy to discuss the costs.

A payment gateway encrypts sensitive credit card data and processes a payment between customer and merchant, ensuring the transaction is carried out securely.

An online payment gateway is a merchant service that authorizes payments for eCommerce sites. In other words, the payment gateway transfers the payment data from the customer to the acquirer (also known as acquiring bank).

You must be in business for at least a year. Your business accepts card payments via a card machine.

If you know your monthly card payment turnover, this will give you an estimate to the size of funding you could receive. Typically, you can get funding that is equivalent to 100% of your monthly card turnover e.g. a monthly card turnover of €10,000 will equal €10,000 funding.

On receipt of your Business funding, the repayment process begins automatically. From this point on, whenever one of your customers pays you on card, a small percentage of that sale will go towards paying off your funding. The flat percentage value is agreed before the point of funding and will stay the same regardless of the transaction value. For example, if it’s 5%, it will be 5% of a €10 sale or a €1,000 sale. The repayment value flexes to the size of the transaction. This process will repeat until the funding is fully repaid.

Business Funding will typically take an average of 9 months to repay, but this may vary depending on the size of your funding and the frequency & value of card transactions being paid to your business.

1. Complete Online Application – details will be submitted to our fund partner YouLend 2. Review & Approve – most applications are reviewed and approved within a few days 3. Receive payment

Our standard settlement is made to your bank account on the next working day.

To configure your account fully to send transactions with 3-D Secure v1; EMV 3-D Secure (3-D Secure v2); or an exemption, you must first review and complete the following.   Check that you have entered your Merchant Category Code (MCC) in the Merchant Management System (MMS). Your MCC can be obtained from your Acquirer if you do not know this. Your MCC must be entered in the MMS ‘Preferences’ Section, under the ‘Credentials’ Tab. Check you have entered your website in the MMS This will need to be your valid https website URL. Your website must be entered in the ...

What is PSD2? The EU Payment Service Directive 2 (PSD2) is a European Commission initiative to increase consumer security and protection for European payment processing. The PSD2 mandate requires all electronic payments within the European Economic Area (EEA) and the United Kingdom to have Strong Customer Authentication (SCA). PSD2 is an important step towards a Digital Single Market in Europe, which aims to make the EU’s single market fit for the digital age. The new measures will also ensure that all PSPs active in the EU are subject to supervision and appropriate rules. There will be wide-reaching implications for a ...

On completion of the 3-D Secure authentication, the ACS will send the challenge results to the threeDSRedirectURL provided in the initial request using an HTTP POST request. The contents of this POST request should be returned to the Gateway unmodified in the threeDSResponse field together with the threeDSRef received in the initial response. This new request will check the authentication results and either respond with the details for a further challenge, send the transaction to the Acquirer for approval or abort the transaction depending on the authentication result and your preferences, either sent in the threeDSPref field or set in ...

3-D Secure v2 settings are found under the 3DS Checks and PDS2 tabs of the Preferences section in the MMS. In addition to the previous 3DSv1 settings available, Merchants can now choose their 3DS policy, 3DS version and which exemptions they would like the Gateway to automatically apply here. 3-D Secure Checks Tab Merchants can choose how and when 3DS is used in their transaction flow under the 3DS Checks Preferences tab: 3-D Secure Policy Merchants need to choose how and when to request exemptions to Issuers. They can opt to Authenticate before or after Authentication. Authentication Before Authorisation – Transactions ...

SCA has various requirements to which merchants must adhere. Once merchants have completed the upgrade from 3DS Version 1 to EMV 3-D Secure, preferably at the highest version available, they will be able to leverage the SCA requirements fully and make use of the exemptions to deliver a best-in-class payment experience for the cardholder.   Version Features EMV 3DS 2.1 • Support with real time dynamic linking • Mobile device compatibility • Reduction in fraud related transactions • Enhanced data sharing • Biometric authentication • Merchant Initiated Transactions (varied implementation by schemes) EMV 3DS 2.2 All features of 2.1 plus: ...

One of the biggest benefits of EMV 3-D Secure is the chargeback liability shift. It shifts the liability for chargebacks due to fraud from the Merchant to the cardholder’s bank. Card issuers who participate in the EMV 3-D Secure program offer Merchants a guarantee of payment for successful online transactions that have also been authenticated using EMV 3-D Secure. This means that if there is a dispute or chargeback for a transaction for fraud reasons (for example, if a lost or stolen card is successfully used to complete a transaction where EMV 3-D Secure is in place) there is a ...

What are stored credentials? To make sure merchants use their customers’ details responsibly, Visa and Mastercard have introduced a new framework for the storing of card details and new rules for any associated transactions. This framework identifies stored credentials as Credentials on File (COF) and classifies the transaction that use them as either Consumer Initiated Transactions (CIT) or Merchant Initiated Transactions (MIT). For backwards compatibility, the Gateway will try to automatically identify if a transaction is a Consumer Initiated Transaction or a Merchant Initiated Transaction from the value provided for the action, type and rtAgreementType fields. You may also pass the initiator field in ...

If your Merchant Account is set up for 3-D Secure, the Hosted Payment Page will automatically attempt to display the 3-D Secure authentication page for the Customer’s bank. 3DSv2 allows Merchants to send much more Risk Based Authentication (RBA) data. The risk based authentication process facilitates the exchange of over 100 data points during a transaction, including user geo-location, device ID, shipping address and previous transaction history, to assess the risk for that specific transaction. The benefit of RBA is that it allows the Issuers to authenticate its cardholders without asking for any additional information for the majority of the ...

Frictionless authentication uses a risk-based approach to determine the risk attached to a transaction and, based on the risk level, whether the customer should be challenged with additional authentication steps. Additional information will only be requested if the risk is high, meaning that this would only take place for a small amount of transactions. If the transaction is deemed low risk, no further action is required on the cardholder’s part. The issuer sends the authentication result to the Merchant who, in turn, submits the transaction for authorisation with a flag indicating the authentication result.