betalingsgatewayprocessor

Betalingsgateway, or payment gateway, is a technology service that authorizes and processes online card payments for e-commerce and other digital transactions. It acts as an intermediary between a merchant’s website or mobile app and the payment networks, card schemes, and banks involved in a transaction.

During a transaction, the gateway securely captures payment data, encrypts it, and transmits it to the payment processor or acquiring bank for authorization. If the issuer approves, funds are earmarked for the merchant and later settled. The gateway typically handles authorization requests, order management, and refunds.

Types include hosted gateways and integrated (direct) gateways. Hosted gateways redirect customers to a provider’s payment page, reducing the merchant’s PCI scope but potentially affecting checkout flow. Direct post or API-integrated gateways send data directly from the merchant site to the gateway, offering more control but requiring stricter security measures.

Security and compliance are central: gateways employ encryption, tokenization, and fraud-detection tools, and must align with PCI DSS. In Europe, they may support PSD2 and Strong Customer Authentication where applicable. They often support multiple payment methods, currencies, and localization options.

Relation to other concepts: a gateway is not the same as a payment processor or a merchant account; in practice a gateway may be offered together with a PSP that provides accounts and settlement services.

Examples of providers include Stripe, PayPal, Adyen, and Ingenico.