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A payment gateway is a software platform that processes financial transactions technically. The gateway is a service from the dealer and is provided by E-Commerce Application Service Providers (ASP). These overtake the processing and authorization of credit card or direct payments for online, brick and mortar or "clicks and bricks" businesses, a hybrid of offline and online business. The payment gateway can be provided directly by a bank or can be offered as an extra service by a payment service provider (PSP).
A payment gateway simplifies the processing of payments for merchants by transferring transaction information between the payment portal (e.g., a website) and the front-end processor or the acquiring bank.
Although gateways process e-commerce, in-app and point-of-sale payments, they are not directly involved in the money flow. Typically, they consist of a web server to which a merchant's website or a POS system is connected.
