Advertiser Disclosure

The Complete Guide To Online Credit Card Processing With A Payment Gateway

  • Updated on:
Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.
Frank Kehl

Frank Kehl

Frank Kehl has been writing about merchant services, payment gateways, and international money transfer services since 2015. He has a Bachelor of Science degree from Penn State and a Juris Doctorate from the Ventura College of Law. After a long and enjoyable career of traveling around the world as an Air Force navigator, he’s comfortably settled down in the wine country town of Paso Robles in California’s scenic Central Coast region. He enjoys reading, photography, hiking, and numerous other outdoor pursuits.
Frank Kehl
Leave a comment


Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.


    This article was very helpful! I have a question : If I am starting a concierge business for a commercial property, can I use either as a merchant account or payment gateway to pay third party vendors? With this business, I am more the middle man, receiving service requests from tenants and then forwarding that payment onto vendors.

      Jessica Dinsmore

      Hi Jillian!

      Yes, you could do that. However, we don’t really like the high flat-rate prices that Authorize.Net charges for credit card processing. You would probably be better off with CDGcommerce. You’d get lower interchange-plus pricing and use of the Authorize.Net gateway with no setup or monthly gateway fees. Good luck to you!

        Rocky Phagura

        This is good info. Thank you for taking the time to explain this throughly.

          Jasper Whiteside

          It seems that a lot of online commerce goes through applications like paypal or just straight to the retailer’s website. It hadn’t occurred to me that the retailer would need to make sure that they were using a secure software provider. I am glad that the article explains how easy it would be to integrate these systems to work together.


            I’m so thankful to have found your article! It is the best explanation of merchant accounts and payment gateways that I have come across. I am going from a retail business to an online business and I am finding the process so complicated and stressful. I had no idea what was involved on the business side of things. This is an article that I will refer to over and over again. Thanks so much!

            Leave a Reply

            Your email address will not be published. Required fields are marked *

            Your Review

            Comment moderation is enabled. Your comment may take some time to appear.
            Please read the "User Review and Comment Policy" before posting.