Choosing the Right Payment Gateway for Your Business

a man buying something on his computer with his card

By the end of 2020, it’s estimated that there will be a total of $910,396 million worth of digital transactions. As the world becomes more and more digital, it becomes increasingly important for your business to offer online payment options for your customers. At Celero, we’ll help you integrate online payment processing right into your website. 

How Are Payment Gateways Used? 

A payment gateway is a software program that transmits a customer’s payment information to your company’s credit card processor. The most common use for a payment gateway is when your customer places an order on your website and they enter in their own credit card information. To provide your customer with a seamless check-out experience, they will not directly interact with the payment gateway. The gateway will just forward their credit card information to you via your website’s shopping cart feature and a secure (SSL) connection. Once you receive their information, the payment will automatically be processed. Another way that a payment gateway is used is when you or your employee manually enters a customer’s credit card information to complete a purchase transaction. Due to the COVID-19 pandemic, over-the-phone payments are becoming increasingly popular, so your payment gateway will allow you to process payments without your customer’s card being present. 


The first payment gateway we recommend using is the Visa-backed platform, Authorize.Net. This gateway offers a comprehensive feature set that will help you easily accept online, over-the-phone, and contactless payments. Additionally, it includes anti-fraud protection, invoicing, a database for securely storing customer information, and recurring payment capabilities. It also offers a feature we think you’ll love, called the Account Updater. This feature will automatically detect when a customer’s stored credit card has expired and it will replace it with their new credit card. This makes processing recurring bill payments a breeze and it will eliminate the hassle of contacting customers to collect their updated card information. Authorize.Net is an incredible payment gateway that allows you to process online orders from your website, 24 hours a day, 7 days a week. 


The next payment gateway we recommend is PayTrace. This payment gateway is incredibly adaptable, easy to use, and offers consumers an easy way to check-out. It offers advanced anti-fraud features, including encryption, tokenization, and signature capture for an extra layer of security. PayTrace fully integrates with your website’s shopping cart feature and it allows you to easily send receipts to customers via email once they place an order. It also allows you to store customer data in a secure, virtual storage vault, which will save you time and effort in getting to know your customers. This is an excellent payment gateway for businesses that want something simple, without compromising the advanced functionality. 


The final payment gateway we recommend is from NMI. Just like its short and to-the-point name, this gateway is simple and no-fuss. It offers all the features that you’ll need to give your customers the effortless and secure check-out experience they deserve, such as integration with your website’s shopping cart feature, fraud protection, and tokenization for repeat customers. NMI also offers a QuickBooks plug-in which will help simplify your accounting by automatically creating appropriate accounting entries. Just like Authorize.Net, this payment gateway has a feature called Account Updater, that helps you deliver seamless recurring billing transactions. It will detect when a customer’s stored card is expired and automatically collect an updated one. As an added bonus, in addition to accepting regular credit and debit card payments, NMI enables you to accept electronic check payments. 

Integration With Your Shopping Cart

In this new age of online shopping, you need your payment gateway to integrate seamlessly with your website’s shopping cart. Authorize.Net, PayTrace, and NMI are already pre-integrated with most website shopping cart features, so it will ensure an easy, stress-free check-out for your customer. When your customer is ready to pay for something in their shopping cart, your payment gateway will collect their contact and credit card information and apply any shipping charges and taxes. After that, it will automatically process the credit card payment. Let one of these amazing gateways do the heavy lifting for your business when it comes to online payments, so that you can spend time on more important things, like communicating with customers! 

Contact Us Today 

If you have any questions about which payment gateway is right for your business, please reach out to us! We look forward to hearing from you.