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How to use payment processors and payment gateways to process transactions on your website.

Payment Processors: Getting Paid Your Way

December 7, 2018 | By PotentPages | Filed in: web-design.

Creating Seamless Payments in Business Transactions

With the booming trend of eCommerce today and people engaging more online, payment gateways and processors play a huge role in providing seemingly smooth transactions between businesses and consumers. But what is the difference between payment processors and payment gateways?

A payment processor is a company or a third party that is authorized by a merchant to handle debit and credit card transactions. Payment processors are classified into two types, the front end and the back end.

On the other hand, a payment gateway is your doorway to making sales online. A payment gateway will allow you to charge your customer’s card with the purchase he/she makes online.

Here is a list of some of the top payment processors and/or gateways:


PayPal is a leading technology platform company that enables digital and mobile payments on behalf of consumers and merchants worldwide. They strive to increase their relevance for consumers, merchants, friends and family to access and move their money anywhere in the world, anytime, on any platform and through any device. PayPal offers both REST-ful and name-value pair (NVP) and SOAP interfaces to help you create a payment solution that meets your needs. These interfaces enable you to incorporate PayPal functionality into your website applications and mobile apps.


Stripe uses a cloud-based infrastructure to allow scalability and to tighten security. It removes the complexity of financial operations in online commerce by leveraging the platform to work with financial institutions, banks, payment networks, regulators, and consumer wallets in place of your business. The Stripe API is organized around REST. Their API has predictable, resource-oriented URLs, and uses HTTP response codes to indicate API errors. They use built-in HTTP features, like HTTP authentication and HTTP verbs, which are understood by off-the-shelf HTTP clients. They support cross-origin resource sharing, allowing you to interact securely with their API from a client-side web application (though you should never expose your secret API key in any public website’s client-side code). JSON is returned by all API responses, including errors, although their API libraries convert responses to appropriate language-specific objects.


Braintree is a division of PayPal based in Chicago. It specializes in mobile and web payment systems for e-commerce companies that was acquired by PayPal on September 26, 2013. It provides the global commerce tools people need to build businesses, accept payments, and enable commerce for their users. It’s the simplest way to get paid for great ideas — across any device, and through almost any payment method.

Amazon Pay

Amazon Pay is a payment gateway specially designed for both Amazon merchants and shoppers. This payment solution caters to millions of people who buy and sell through Amazon. Amazon Payments come in two different packages – Pay With Amazon (Merchant) and Log In And Pay (Shopper). Launched in 2007, Amazon Pay uses the consumer base of and focuses on giving users the option to pay with their Amazon accounts on external merchant websites. Amazon Pay uses many of the building blocks available in AWS and Amazon’s distributed services environment. These include:

  1. Simple Notification Service (SNS) to provide instant payment notifications
  2. Simple Queuing Service (SQS) for work item management
  3. DynamoDB/S3 as part of the storage solution


Square / Square, Inc. is a financial services and merchant services aggregator, and mobile payment company based in San Francisco, California. It’s a point-of-sale (POS) application designed to provide businesses with a reliable and fast POS system. It enables you to take payments using your iOS or Android device and can be implemented on the counter or on-the-go. The system comes with a free downloadable software plus a Square magnetic stripe (magstripe) reader, allowing payments via debit and credit cards. It also comes with real-time sales and inventory tracker, as well as item management platform. Point of Sale API, Square’s POS API, is ideal for developers who want to build a custom point-of-sale solution for in-person payments.


Adyen is the technology company reinventing payments for the global economy. It is the only provider of a modern end-to-end infrastructure connecting directly to Visa, Mastercard, and consumers’ globally preferred payment methods. Adyen delivers frictionless payments across online, mobile, and in-store transactions. With offices all around the world, Adyen serves more than 4,500 businesses, including 8 of the 10 largest U.S. Internet companies. Customers include Facebook, Uber, Netflix, Spotify and L’Oreal. The Adyen API provides endpoints you connect to using your web service user credentials. These endpoints represent specific actions like making payment requests, modifying payment states, making payouts, and so on.


Skrill / Skrill Ltd is a payment gateway used worldwide. This payment service allows you to serve your customers more efficiently without having to worry about late payments. Skrill has a public API to test against, comprehensive documentation and an integration team to help get you up and running. The Skrill Automated Payments Interface (API) and Merchant Query Interface (MQI) enables you to execute automated requests to Skrill.


PayU is an online payment service that focuses on matching merchants’ needs with consumers’ shopping and payments behavior. It also provides local expertise, a single integration, and products for business needs. PayU’s API integration allows businesses to process transactions from different types of applications (web, mobile, IVR, etc.), PayU uses REST, Classic and Payout APIs.


2CheckOut is a global payment platform that allows companies to accept online and mobile payments from buyers around the world, with localized payment options and a host of capabilities designed to benefit both merchants and customers. 2Checkout offers a robust API as well as flexible connectors to provide a seamless integration layer. With these features, you can manage all aspects of online purchases, sell via any channel, integrate any business model, have control over your branding elements, as well as retain and service customers from your preferred systems.


Authorize.Net is a another payment gateway platform. Its APIs focuses on payment transactions, customer profiles, reporting, Echeck, recurring billing, fraud management, visa checkout and PayPal Express. Just like a traditional card swipe machine, it manages the routing of transactions, albeit in an online setting, with no software needed for installation and implementation.


Payza is another online money transfer platform designed for private and professional usage. You can use it to send and receive payments worldwide, enable secure money transfers from mobile devices, and get some robust protection for the payment data of your customers. You can receive transfers from credit cards, bank accounts, and BitCoin accounts, process payments directly on your eCommerce websites, and shop online with the finances stored in your Payza wallet. To facilitate this process even more, Payza offers a card you can use to withdraw money or pay on the spot. The Payza platform provides you with a set of Application Programming Interfaces or APIs to make it easy to interact with their system. APIs also provide ways to integrate with Payza’s platform regardless of the technology your Web application uses.


SecurionPay is a secure online and mobile payment system that supports Windows, Mac, Linux, Android and iOS. SecurionPay makes a strong case as a one-stop solution for businesses that require online payments and paid subscriptions. SecurionPay API is REST based API that allows fast and easy integration. They use HTTP for transport and return all responses encoded as JSON. To simplify integration and testing, each account has two modes: test-mode and live-mode. Both modes can be active at the same time – each mode has separate set of public and secret keys. Data created with test-mode will never reach real customers and won’t cost you any money.


BlueSnap is a global payments company that claims “they look at eCommerce a little differently. They are payment experts, veteran developers, technologists, and business professionals who are globally minded, customer focused, and constantly driven to find a better way.” The BlueSnap APIs are a collection of RESTful-based web services. They use standard HTTP features, such as HTTP verbs and Basic authentication, and can be used easily with any HTTP client.


BitPay is a payment service that enables users to accept payments in bitcoin and have the funds directly deposited to their bank account. BitPay operates and sends bank deposits in 38 countries and supports multiple currencies including US dollars, Euros, CAD, and more. Branded as one of the largest payment processors that focuses on enabling merchants to accept bitcoins for their products and services, BitPay is an ideal choice for online merchants who want to accept bitcoins as a form of payment. The Bitcoin Payment Gateway API is designed for merchants that need full control over their customers’ shopping and checkout experience. An eCommerce site can make use of this API to transmit invoice information to from their back-end server, and receive server notifications when the customer has completed payment and the invoice total has been credited to the merchant account.

Cardinal Commerce

Cardinal Commerce is a wholly-owned subsidiary of Visa and is headquartered in Cleveland, Ohio. Their products aim to eliminate fraud while increasing sales and reducing consumer friction in the card-not-present payments industry. Cardinal operates the largest authentication network in the world. Through One Connection to drive digital commerce, they enable friction-free, technology-neutral authentication and alternative payment services (including digital wallets and mobile commerce services).


PaySimple was founded in 2006 and helped over 17,000 business owners streamline billing and payment acceptance, sell more online, and market to their customer base with a cloud-based payment management solution. The PaySimple API version 4.0 is RESTful, designed to be intuitive and easy to integrate. Requests and responses (including errors) are formatted in JSON. PaySimple strives to provide developers with stable APIs to integrate against while still providing new and expanded functionality. They add new features from time to time that require additional fields to be added to existing endpoint responses. Your code should implement loose serialization so when PaySimple adds an additional property to the response, it does not result in an error in your system.

In Conclusion…

All in all, these companies emerge on the aspect of changing the way businesses interact with customers, providing virtual solutions and making the experience more innovative and efficient.

If you’re looking to implement payment transactions on your website, and would like some help, please contact us using the form below. We’d be happy to interview you to understand your needs and to see if we can help!

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