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Merchant Account Application

eCommerce Shopping Carts - Shopping Cart Software - Merchant Solutions

Do you have a website and want to accept credit cards or checks for online payment? Our payment gateway technology is compatible with leading third-party shopping cart software providers such as those listed below. Contact our Customer Support team if your favorite shopping cart software is not listed and they will assist you in any questions you might have.


Shopping Cart - Payment Gateway FAQs shopping carts list

What is a payment gateway?

A payment gateway is a link between the Payment Processor or Merchant Service Provider and a merchant's web site when an online purchase is made for goods or services. The gateway's function is to collect the purchaser's name, address, credit card number, expiration date, and confirm that the credit card has an available balance. This information must be sent through the payment gateway to a merchant bank before an authorization can be obtained to approve or decline the transaction, and payments processed into the merchant's bank account.

Is there a difference between a shopping cart and payment gateway?

Yes. A payment gateway takes the place of a "card present" card-swipe terminal machine. In essence, it is a "virtual" terminal that captures a customer's card data from the merchant's Internet web site and securely sends it to a Merchant Services Provider for payment processing. A shopping cart is a software program that allows customers to accumulate chosen items prior to the final purchase (checkout) process. Upon checkout, the customer's items are collected from the cart, total costs added up, taxes and shipping costs calculated, and a total amount for payment due is provided to the customer.

Is a merchant account needed to process credit card orders through a shopping cart?

Yes. To process credit card orders over the Internet, a merchant account and payment gateway is required. A merchant account allows a business to accept credit cards as payment for goods or services. A payment gateway allows for credit card payments in real-time over the Internet. If you do not have a merchant account, we can provide you with everything you'll need within 24 hours of approval. If you currently accept credit cards payments, but are looking to switch your online processing agent or gateway provider, our flexible technology allows us to integrate with providers such as Authorize.Net or PlugNPay, etc. for a seamless, customized conversion.


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