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Payment Gateway Overview and Functionality

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Definition and Purpose: Payment gateway authorizes credit card and direct payment processing for e-commerce
Can be provided by banks or specialized financial service providers
Acts as web server connecting merchant's website or POS system
Transaction Process: Transaction data can bypass merchant systems for PCI DSS compliance
Gateway converts XML to ISO format and forwards to acquiring bank
Issuing bank validates request and holds authorization
Process typically takes 2-3 seconds
Full settlement takes 3 days
Additional Features: Many gateways offer real-time fraud screening and tax calculation
Some provide white label services for third-party customization
Acquiring banks handle settlement and fund deposits
Technical Details: Connects multiple acquiring banks and payment methods under one system
Uses various fraud detection tools including geolocation and fingerprinting
Can process orders directly from customer's browser