Take payments online
Online Payments & Payment Gateway
Accept cards, digital wallets and bank payments on your website, on invoices and over the phone through a hosted payment gateway. If you are comparing payment processing companies for online sales, this page explains what a gateway does, what sits behind it, and how BSV Solution configures one around the way you already sell.
Gateway availability and supported features vary by platform and are subject to underwriting approval.
Talk to a payments specialist
Tell us about your business and we'll follow up with next steps. No obligation.
What you get
Hosted checkout pages
A secure, branded checkout hosted by the gateway, so card data never touches your own servers.
APIs and plugins
Connect an existing cart, booking tool or custom application through supported APIs, SDKs and platform plugins.
Tokenization and vaulting
Card details are replaced with tokens for card-on-file, repeat purchases and subscription billing.
Fraud screening tools
Address and CVV verification, velocity rules, 3-D Secure and filters you can tune by ticket size.
Recurring and invoicing
Schedule subscriptions, dues and installment billing, or send a pay-by-link invoice from the same account.
Card, wallet and ACH
Take credit and debit cards, Apple Pay, Google Pay and bank debits through one reporting view.
Included in the setup
- Gateway selection matched to your cart, CRM or booking platform
- Hosted checkout or API integration scoping with your developer
- Tokenization and card-on-file configuration for repeat customers
- Fraud filter and 3-D Secure setup tuned to your ticket sizes
- Virtual terminal for phone and mail orders
- Reconciliation guidance so online deposits match in-store reporting
How the process works
- 1
Review how you sell online
We look at your website platform, average ticket, recurring billing needs and whether orders also come in by phone.
- 2
Gateway setup and underwriting
Your account goes through underwriting, then we configure the gateway, checkout, tokenization and fraud rules.
- 3
Test, launch, reconcile
We run test transactions and refunds, confirm reporting, then walk your team through daily reconciliation.
What happens between checkout and your bank account
When a customer submits a card on your checkout page, the gateway encrypts the details and passes them to the processor, which routes the request through the card network to the issuing bank for approval or decline — all within a couple of seconds. Approved transactions are batched and settled by your acquiring bank, typically landing in your business account on the following business day or two, separate from the instant approval message your customer sees at checkout.
Tokenization happens the moment a card is first captured: the raw number is replaced with a token that's useless outside your gateway account, which is what lets you offer card-on-file reorders or subscription billing without storing sensitive data on your own servers.
Who this fits, and what to review before switching gateways
This setup fits e-commerce stores, service businesses invoicing clients, subscription and membership models, and any business taking phone or mail orders that need a virtual terminal. It matters less for a purely card-present retail counter with no online, phone or recurring component — that business may only need in-person processing.
Before recommending a gateway, we check what your cart or booking platform actually supports, whether your recurring billing needs card-on-file with automatic updater support, your typical ticket size (which affects which fraud tools make sense), and whether online and in-store sales need to reconcile on the same statement or can run separately.
Frequently asked questions
What is a payment gateway?
A payment gateway is the software that securely captures a card or bank payment on your website, app, invoice or virtual terminal and passes it to the processor for authorization. It encrypts and tokenizes the payment details, applies fraud checks, and returns an approval or decline to your checkout.
What is the difference between a payment gateway and a payment processor?
The gateway is the front door that collects and secures the transaction. The processor moves the transaction through the card networks and issuing banks, and the acquiring bank settles the funds to your account. Most online merchants need both, and BSV Solution configures them together.
How do I choose between credit card processing companies for online sales?
Compare the pricing structure rather than a single advertised number, then check the gateway supports your cart or booking platform, the payment types your customers use, and the reporting your bookkeeper needs. Ask what happens to your account after setup — support and account reviews matter more over time than the first month.
Do I need a separate merchant account for online payments?
Online and card-present sales can often run on one merchant account with the gateway added to it, though some business types are underwritten separately. We confirm the structure during review, subject to underwriting approval.
Will a gateway work with my existing website?
Most common platforms are supported through plugins, and custom sites integrate through the gateway API or a hosted checkout redirect. We scope this with you, or with your developer, before anything is switched on.
Is a payment gateway PCI compliant on its own?
A hosted or tokenized checkout reduces how much card data touches your systems, which usually simplifies which PCI questionnaire applies. Your business still validates compliance annually, and we help you work through it.