--- title: How to Select the Best Payment Gateway description: Look for the following features to select the best payment gateway for your e-commerce or multi-faceted business. image: https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/best-payment-gateway.svg --- [tel:1-800-601-0230](tel:1-800-601-0230) 800-601-0230 - Features - Solutions - Developers - [Pricing](https://www.payjunction.com/payments/pricing.html) - Resources [See a Demo](https://www2.payjunction.com/tour-payjunction) Features - EXPLORE PRODUCTS [No-code Payments Integration®](https://www.payjunction.com/payments/no-code-payments-integration.html) [ZeroTouch Terminal](https://www.payjunction.com/payments/smart-terminal.html) [Portable Terminal](https://www.payjunction.com/payments/portable-credit-card-reader-terminal.html) - ACCEPT PAYMENTS [Invoices](https://www.payjunction.com/payments/electronic-invoices.html) [ACH Electronic Checks](https://www.payjunction.com/payments/ach-payments.html) [SmartSurcharge®](https://www.payjunction.com/payments/smart-surcharge.html) [Cards on File](https://www.payjunction.com/payments/store-credit-card-info.html) [Rapid Refunds](https://www.payjunction.com/payments/credit-card-refund.html) [Recurring Billing](https://www.payjunction.com/payments/recurring-payments.html) [Ecommerce](https://www.payjunction.com/payments/ecommerce-merchant-services.html) [Mobile App](https://itunes.apple.com/us/app/payjunction/id1324839420?ls=1&mt=8) - EXPLORE CAPABILITIES [Overview](https://www.payjunction.com/payments/payment-processing-solutions.html) [Integration Marketplace](https://integrations.payjunction.com/) [Remote Signature](https://www.payjunction.com/payments/signature-capture.html) [Multi-Location](https://www.payjunction.com/payments/enterprise-payments.html) [Sales Reports](https://www.payjunction.com/payments/sales-reports.html) [Search and Export](https://www.payjunction.com/payments/transaction-history-search.html) [Customization](https://www.payjunction.com/payments/custom-payment-software.html) Solutions - [Veterinary Streamline payment workflows and get paid faster with up-front deposits and payment schedules for high-cost procedures. 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Get automated reports for simplified end-of-day close and save on processing fees.](https://www2.payjunction.com/automotive-merchant-services) Developers - [API Documentation See how to embed omnichannel payment features into your software, using your choice of our intuitive integration methods.](https://developer.payjunction.com/) - [Developer Experience Explore the developer journey and learn how our full-service partnership model helps you maximize merchant payment adoption rates.](https://www.payjunction.com/payments/payment-api.html) - [No-code Payments Integration® Rapidly integrate payment acceptance features into any SaaS application in minutes using our easy-to-use Chrome browser extension.](https://www.payjunction.com/payments/no-code-payments-integration.html) - [Integration Marketplace Check out our growing marketplace of integrated solution partners that streamline payment acceptance and help businesses automate and scale.](https://integrations.payjunction.com/) [Pricing](https://www.payjunction.com/payments/pricing.html) Resources - [About Us Learn how our people-first culture at PayJunction helps us earn widespread recognition and awards.](https://www.payjunction.com/payments/about.html) - [Careers Join us in our pursuit to deliver exceptional experiences to customers and partners.](https://www2.payjunction.com/careers) - [Support Get helpful information about how to use features, troubleshoot problems and contact us.](https://support.payjunction.com/) - [Blog Gain useful insights into payment industry trends and PayJunction solutions.](https://blog.payjunction.com/) - [Guides Up your payment processing knowledge with our in-depth eBooks and White Papers.](https://guides.payjunction.com/) - [Tutorials Read articles and watch videos about how to use valuable features on the PayJunction platform.](https://blog.payjunction.com/topic/pj-university) # How to Select the Best Payment Gateway ![How to Select the Best Payment Gateway](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/best-payment-gateway.svg) [![Picture of Christina Lavingia](https://blog.payjunction.com/hs-fs/hubfs/Christina%20Lavingia%2c%20Content%20Marketing%20Manager.jpg?width=48&height=48&name=Christina%20Lavingia%2c%20Content%20Marketing%20Manager.jpg) Christina Lavingia](https://blog.payjunction.com/author/christina-lavingia) 8/15/2019 If you’re operating an e-commerce store, either on its own or as an extension of your brick-and-mortar operations, you’re probably wondering what a Payment Gateway is. You might be confused or frustrated to find that there is yet another payment provider you need to facilitate your transactions. In short, a Payment Gateway authorizes [e-commerce transactions](https://blog.payjunction.com/e-commerce-store/). You need a gateway to help process the payment so you can have funds deposited to your merchant account. To be clear, a Payment Gateway does not replace your merchant account for online transactions. It’s simply an additional provider you need to decide upon and work with. Like any other provider, a Payment Gateway will charge fees for its services. On the bright side, it’s possible to keep your providers relatively minimized and cost-effective. Picking the best Payment Gateway is crucial to keeping your payments as streamlined as possible. Look for these four elements when choosing a Payment Gateway for your e-commerce transactions. ## Payment Processing Demo Schedule 15 minutes with a payments expert Get a customized PayJunction product walk-through Understand requirements and pricing Determine your SAVINGS! GET DEMO NOW ## All-In-One Service So, you may be terrified about the prospect of yet another provider added to your business operations. You can breathe a sigh of relief, as some of the best Payment Gateways are also Merchant Account Providers! By choosing a provider that wears multiple hats, you can consolidate and [get more from a single provider](https://blog.payjunction.com/payment-gateway-bill-e-commerce/). This setup comes with numerous benefits. For one, you’ll only have to call one support line when you have a question. For another, you’ll have an easier time understanding your effective processing rate, as all your rates will be presented on one bill. ## Card-Present and Card-Not-Present Capabilities This feature naturally follows the last. The best Payment Gateway solution is also a Merchant Account Provider, one provider that can handle both your card-present and card-not-present transactions. This feature is great for brick-and-mortar stores looking to increase their [online presence](https://blog.payjunction.com/online-presence-brick-mortar-store/) as well as lean startups that went straight to e-commerce sales and plan to open a storefront someday. With one provider handling all your transactions, you slice yet another potential bill and can gain more clarity over your rates, fees and total credit card processing costs. Due to the complexity of merchant statements and the tendency of providers to exercise [unethical billing](https://blog.payjunction.com/tag/unethical-billing/) tactics, minimizing providers can only help you achieve the clearest insight into your costs. ## No Payment Gateway Fee Speaking of costs, one way you can decrease monthly fees is by partnering with a Payment Gateway that lacks a Payment Gateway fee. Again, providers that charge minimal fees do exist, and this is one of those fees that isn’t a given. The best Payment Gateway is one that doesn’t charge miscellaneous fees like this that serve solely as a profit stream. While it may seem small, a $20 fee every month certainly adds up over months and years of partnership. Furthermore, cheap gimmicks like this could indicate other unsavory billing behavior. ## Month-to-Month Service Some providers, like PayJunction, don’t believe in tying customers down with a contract. With a provider that offers a month-to-month contract (and this applies to all payment providers), you can rest assured that your service will be excellent. After all, they have to do right by you to earn your continued business. By remembering your rights as a partner to your providers, you can protect your business from restrictive measures that could cost you more in the long run than just picking the best Payment Gateway from the start. ## Want help getting the best Payment Gateway setup? [![LEARN HOW TO GET STARTED FAST](https://no-cache.hubspot.com/cta/default/635739/04e4a75e-0c3b-4288-804b-ff64a50a1be4.png)](https://cta-redirect.hubspot.com/cta/redirect/635739/04e4a75e-0c3b-4288-804b-ff64a50a1be4) Do you have the best Payment Gateway for your business’s e-commerce transactions? How is that partnership going? What issues have you faced juggling multiple providers? We’d love to hear from you! *Editor's Note: This post was originally published in June 2018 and has been updated for comprehensiveness and accuracy.* [Merchant Account](https://blog.payjunction.com/topic/merchant-account) [E-Commerce](https://blog.payjunction.com/topic/e-commerce) --- ##### [![Selecting the Best Credit Card Processor for Ecommerce](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/best-credit-card-processor-ecommerce.svg) Selecting the Best Credit Card Processor for Ecommerce](https://blog.payjunction.com/best-credit-card-processor-ecommerce) ##### [![How to Efficiently Manage Multiple Veterinary Practices](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/manage-multi-location-vet.svg) How to Efficiently Manage Multiple Veterinary Practices](https://blog.payjunction.com/manage-multi-location-vet) ###### About Author ![Picture of Christina Lavingia](https://blog.payjunction.com/hs-fs/hubfs/Christina%20Lavingia%2c%20Content%20Marketing%20Manager.jpg?width=200&height=200&name=Christina%20Lavingia%2c%20Content%20Marketing%20Manager.jpg) ### Christina Lavingia Christina Lavingia delights in crafting content that helps business owners fight fraud, reduce risk and process payments with ease. ###### Related Posts ## [![How to Streamline Your Online Payment Services](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/online-payment-services.svg) How to Streamline Your Online Payment Services Who doesn’t like doing more with fewer tools? If you run a business that started with a retail presence and has since moved online, you could face a host of providers that tackle different facets of your payment processing needs. While you may like each one for a valid reason, juggling so many providers and bills can open your business up to frustration and confusion.](https://blog.payjunction.com/online-payment-services) ## [![How to Eliminate Your Payment Gateway Bill](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/payment-gateway-bill-e-commerce.svg) How to Eliminate Your Payment Gateway Bill Setting up your credit card processing can certainly be confusing. There are numerous middlemen involved and, depending on whether you sell your goods through a brick-and-mortar store or online, you might have to familiarize yourself with different setups.](https://blog.payjunction.com/payment-gateway-bill-e-commerce) ## [![Internet Merchant Account: 5 Tips for Integrating](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/internet-merchant-account.svg) Internet Merchant Account: 5 Tips for Integrating Selling online is becoming an important business strategy, for both businesses born in the e-commerce era and brick-and-mortar businesses looking to grow their customer base and sales volume. But those who do not have experience accepting customer payments online may be wondering about the ins and outs of processing e-commerce payments.](https://blog.payjunction.com/internet-merchant-account) ## Meet a Payment System You’ll Love - ###### FEATURES [No-code Payments Integration®](https://www.payjunction.com/payments/no-code-payments-integration.html) [ZeroTouch Terminal](https://www.payjunction.com/payments/smart-terminal.html) [Portable Terminal](https://www.payjunction.com/payments/portable-credit-card-reader-terminal.html) [Invoices](https://www.payjunction.com/payments/electronic-invoices.html) [ACH](https://www.payjunction.com/payments/ach-payments.html) [SmartSurcharge®](https://www.payjunction.com/payments/smart-surcharge.html) [Cards on File](https://www.payjunction.com/payments/store-credit-card-info.html) [Recurring Billing](https://www.payjunction.com/payments/recurring-payments.html) - [Ecommerce](https://www.payjunction.com/payments/ecommerce-merchant-services.html) [Customization](https://www.payjunction.com/payments/custom-payment-software.html) [Remote Signatures](https://www.payjunction.com/payments/signature-capture.html) [Rapid Refunds](https://www.payjunction.com/payments/credit-card-refund.html) [Multi-Location](https://www.payjunction.com/payments/enterprise-payments.html) [Sales Reports](https://www.payjunction.com/payments/sales-reports.html) [Search and Export](https://www.payjunction.com/payments/transaction-history-search.html) [Mobile App](https://itunes.apple.com/us/app/payjunction/id1324839420?ls=1&mt=8) - ###### BUSINESS SOLUTIONS [Auto Dealers](https://www2.payjunction.com/automotive-merchant-services) [Veterinary](https://www2.payjunction.com/payment-processing-veterinarians) [Dentistry](https://www2.payjunction.com/payment-processing-dentists) - ###### RESOURCES [Product Overview](https://www.payjunction.com/payments/payment-processing-solutions.html) [Integrations](https://integrations.payjunction.com/) [Blog](https://blog.payjunction.com/) [Guides](https://guides.payjunction.com/) [Support](https://support.payjunction.com/) [Service Status](https://status.payjunction.com/) [Tutorials](https://blog.payjunction.com/tag/pj-university/) [API](https://www.payjunction.com/payments/payment-api.html) - [Trust Center](https://trust.payjunction.com/) [Request a Demo](https://www2.payjunction.com/payjunction-demo) [Pricing](https://www.payjunction.com/payments/pricing.html) [About Us](https://www.payjunction.com/payments/about.html) [Careers *HIRING*](https://www2.payjunction.com/careers) [Press](https://media.payjunction.com/) - ###### RESOURCES [Integrations](https://integrations.payjunction.com/) [Guides](https://guides.payjunction.com/) [Tutorials](https://blog.payjunction.com/tag/pj-university/) [API](https://www.payjunction.com/payments/payment-api.html) [Request a Demo](https://www2.payjunction.com/payjunction-demo) [About Us](https://www.payjunction.com/payments/about.html) [Careers *HIRING*](https://www2.payjunction.com/careers) [Press](https://media.payjunction.com/) [Trust Center](https://trust.payjunction.com/) [Service Status](https://status.payjunction.com/) - ###### BUSINESS SOLUTIONS [Auto Dealers](https://www2.payjunction.com/automotive-merchant-services) [Veterinary](https://www2.payjunction.com/payment-processing-veterinarians) [Dentistry](https://www2.payjunction.com/payment-processing-dentists) ##### 800-601-0230 SIGN UP FOR OUR NEWSLETTER  Become a better advocate for your business. 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