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Payment gateway

A payment gateway transmits payment data between a shop and payment processing, returning the responses to the shop.

E-Commerce

What is a payment gateway?

A payment gateway provides a technical connection between a shop and payment processing. It transmits the data needed for the payment and returns responses, such as authorisation results. It can be offered as part of a payment service provider; a separate additional provider is not inherently required. The gateway, card issuer and acquirer describe different functions in the payment flow.

In a fictional poster shop, the chosen flow sends customers to an external payment page and then back to the shop. For the planned implementation, the server must verify the provider’s status notifications or query responses and link them to the payment transaction. Loading a return page alone does not prove successful payment; conversely, payment can succeed even if a lost connection prevents that page from appearing. Order processing therefore needs the confirmed payment state of the associated transaction.

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