Explore our eCommerce solutions to simplify back-office payments and integrate card acceptance to your website. 

To compete in the world of eCommerce, you need connections.

A payment or eCommerce gateway provides a link between your customer, your eCommerce site and payment processors. This virtual tool takes payment information entered on your site, encrypts it, and then safely routes it to the payment processor for authorization – usually within about two seconds. Once the transaction is approved, the processor charges the customer’s card and deposits the funds to your merchant account.

M&T offers eCommerce gateways for every size and type of business.

Whether you’re setting up your first online store or trying to improve your payment processing across a large organization, M&T Bank Merchant Services® has a payment gateway for you.

Authorize.Net is a premier payments gateway that enables you an opportunity to grow revenue by selling products and services online, via a mobile device or in a traditional brick-and-mortar store. This fully integrated gateway allows you to accept all major credit cards, eCheck/ACH payments and alternative (i.e., Android Pay®, Apple Pay®, PayPal®, and Visa Checkout®) payments online to compliment in-store payments processes.

Key features and benefits:

  • Customer profiles and recurring payments. Store sensitive payment data on Visa secure servers to help simplify PCI compliance, automate recurring billing, and retrieve stored payment info to make repeat purchases easier for returning customers
  • Advanced fraud detection suite (AFDS). Identify, manage, and help prevent suspicious and potentially fraudulent transactions with over a dozen customizable, rule-based fraud filters
  • Alternative digital payments. Accept the latest digital payment options, including Android Pay®, Apple Pay®, PayPal®, and Visa Checkout®
  • Simple invoicing. Simplify the billing process via digital invoices that contain a simple payment hyperlink. Additionally, draft invoices for sending later and view payment status for invoices already sent
  • Sync for QuickBooks®. Save valuable time and money by automatically importing settled transactions directly into an existing QuickBooks account
  • Simple checkout. Create “Buy Now” and “Donate” buttons for your website by simply copying and pasting Authorize.Net code. This is a perfect solution for donation sites and businesses selling a single solution

We’ll even help you integrate your existing gateway.

If you’ve already invested in a gateway solution, we’ll help you get the most out of it. Our payment solutions can integrate with a number of third-party gateway providers.

Get a customized gateway solution for your business.

Want to focus more on your business and less on payment technology? Give us a call and we’ll propose a solution based on your unique business needs.

Apple®, the Apple logo, iPhone®, Apple Pay, Touch ID® and Face ID® are trademarks of Apple Inc., registered in the U.S. and other countries. 
​Android, Google and Google Pay are trademarks of Google LLC.
Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.
M&T Bank is not affiliated with, endorsed, sponsored or otherwise authorized by Apple Inc., Google LLC, Samsung Electronics Co., Ltd., Fitbit Inc. or Garmin Ltd.
Visa® is a registered trademark of Visa International Service Association.
Quicken® and QuickBooks® are registered trademarks of Intuit, Inc. Use of these trademarks is subject to the respective owner's permission.
M&T Bank Merchant Services® are available subject to completion of a Merchant Services application and credit approval. Merchant Services are provided subject to the terms and conditions of M&T Bank's Merchant Services Agreement. Availability of funds is subject to M&T Bank's Funds Availability Policy. Additional terms and conditions apply.
Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for details.
​All products and services are subject to eligibility and restrictions may apply.