Your payment gateway vendor will set up an API connection between your online shopping cart and the gateway service. Integration for you, the merchant, is usually very simple. Separately, you will need to choose a payment processor and establish a merchant account with a bank to begin accepting credit cards.

A modern payment gateway seamlessly takes payment information entered on your site, encrypts it and safely routes it to the payment processor for authorization. Once the transaction is approved, the processor charges the customer and deposits the funds to your merchant account.

Whether you’re setting up your first online store or upgrading your credit card gateway for a large organization, M&T Bank has the solutions you need. And if you’ve already invested in a gateway service, we’ll help you get the most out of it. Our payment solutions can integrate with several third-party gateway providers.

A payment gateway is the link in the chain that connects your online store with a payment processor. The processor confirms that the customer has the funds they’ve committed to paying and then relays that confirmation or denial back to the gateway. This whole process — called authorization — takes only a few seconds, allowing for a smooth online transaction.

Consumers typically expect to pay online using either a credit card or debit card, or with the rapidly growing mobile wallet payment option. The right payment gateway and payment processor provides a seamless and friction-free experience for your customers.

Establish an e-commerce merchant account with M&T to leverage our proven fraud protection and data security. Our Merchant Services Business Consultants can manage your online credit card processing for you.

Worldpay is a popular credit card processor that integrates with all the leading payment gateways. The service works with businesses of all sizes, from small startups to large enterprises. 

With a payment gateway, a payment processor like Worldpay and a merchant account, your business has everything it needs to accept credit and debit cards as well as payment methods like mobile wallet. A gateway is the link in the chain that connects your point of sale with a payment processor. The processor then confirms that the consumer has the funds they’ve committed to paying you. Once those funds are confirmed as available from the consumer, money is transferred to your merchant account.

M&T’s Merchant Services Business Consultants can help you accept all the payment methods your customers are using. We can provide a turnkey solution that includes a point-of-sale system, a payment gateway, a payment processor like Worldpay and a merchant account.