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.