--- title: How to Eliminate Your Payment Gateway Bill description: "Here's a simple way to streamline your e-commerce providers: partner with one that's a Merchant Account Provider and Payment Gateway in one." image: https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/payment-gateway-bill-e-commerce.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. Get time back and spend it with furry patients.](https://www2.payjunction.com/payment-processing-veterinarians) - [Dental Simplify patient payments with multiple means of collection at your dental practice. Meet patient expectations and elevate the payment experience.](https://www2.payjunction.com/payment-processing-dentists) - [Auto Dealer Manage dealership payments by department, brand and location. 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 Eliminate Your Payment Gateway Bill ![How to Eliminate Your Payment Gateway Bill](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/payment-gateway-bill-e-commerce.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) 9/26/2019 Setting up your [credit card processing](https://blog.payjunction.com/credit-card-processing-explained/) can certainly be confusing. There are numerous [middlemen involved](https://blog.payjunction.com/credit-card-processing-middlemen/) 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. When it comes to [e-commerce](https://www.payjunction.com/payments/ecommerce-merchant-services.html), most business owners have to set up a [merchant account](https://blog.payjunction.com/merchant-account/) and work with a [Payment Gateway](https://blog.payjunction.com/payment-gateway-definition) to accept web-based transactions. We’ll explain the difference in a moment, but having multiple providers tends to be a hassle. In this context, it means multiple contracts, bills, monthly fees, support teams, etc. When taking payments is just one aspect of your business operation, any opportunity to streamline is a blessing. Lucky for you, there is a way to do just that if you’re operating an e-commerce business. ## 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 ## Defining Payment Gateways and Merchant Account Providers Simply put, businesses that wish to accept credit cards, debit cards and [ACH payments](https://blog.payjunction.com/ach-payment-processing) must have a merchant account. A merchant account allows approved payments to reach the business’s bank account. Merchant Account Providers supply individual merchant accounts to businesses that pass a [merchant underwriting process](https://blog.payjunction.com/merchant-underwriting-unethical-billing/). In contrast, a Payment Gateway acts like a credit card terminal for web-based payments. Retailers cannot partner directly with a Payment Processor, so a Payment Gateway works as an intermediary connecting the business to the processor, which allows the payment to go through the approval process. If you have a brick-and-mortar location where you accept credit card payments alongside an e-commerce component, you could be partnered with a Merchant Account Provider, a Payment Gateway and an online shopping cart provider. That’s multiple partners to manage, and can potentially increase your vulnerability to [credit card processing pitfalls](https://blog.payjunction.com/credit-card-processing-pitfalls/), like unethical billing practices. Each of these providers charge transaction fees and monthly fees, making it difficult to know your effective processing rate. Focusing specifically on Merchant Account Providers and Payment Gateways, you might pay 2.29% plus a $30 monthly fee to your Merchant Account Provider and a $0.15 rate per transaction plus a $15 monthly fee to your Payment Gateway. To bypass this, we advise partnering with a provider that can streamline your services and that is rooted in ethical, fair billing practices. We recommend turning to a trusted all-in-one provider. ## How to Streamline Your E-Commerce Providers PayJunction is a Merchant Account Provider and a Payment Gateway in one. We have over [80 existing shopping cart integrations](https://support.payjunction.com/hc/en-us/categories/201262037-Carts-Hosted-Payments-POS), making setup as simple as selecting PayJunction from a drop-down menu. Working with an all-in-one provider eliminates the complex billing we outlined above. You’d receive one bill with PayJunction, making it easier to understand your true processing costs. Have any questions? It only takes one call to our California-based offices to get the help you need. With [a provider rooted in ethics](https://blog.payjunction.com/ethical-credit-card-processing-why/), you can rest assured that unethical billing issues that plague the payments space won’t impact your business. At PayJunction, we value our ethics above all else and prioritize long-term relationships over short-term profit. With one bill, one provider, one support number and a seamless integration within your shopping cart (or the ability to [host simple checkout buttons](https://support.payjunction.com/hc/en-us/sections/201151087-Hosted-Payments) on your site), there’s no reason to complicate matters with multiple providers that lack transparency. As a Merchant Account Provider, PayJunction can also handle your card-present transactions if you run a brick-and-mortar shop as well. This consolidates your bills and your deposits and makes [reconciliation much simpler](https://blog.payjunction.com/bank-reconciliation-streamlined/). Let’s face it, you’re busy making sure your entrepreneurial dreams become a reality. Let us simplify and improve your credit card processing setup. ## Eliminate your Payment Gateway bill. [![START SAVING](https://no-cache.hubspot.com/cta/default/635739/b75779cc-711d-4223-a356-bca49bd62b12.png)](https://cta-redirect.hubspot.com/cta/redirect/635739/b75779cc-711d-4223-a356-bca49bd62b12) Do you have an e-commerce business? Are you left juggling multiple providers and struggling to understand your merchant statements? Tell us about your experiences in the comments section below! *Editor's Note: This post was originally published in June 2017 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) --- ##### [![Streamline Business Operations with Virtual Merchant Accounts](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/virtual-merchant-accounts.svg) Streamline Business Operations with Virtual Merchant Accounts](https://blog.payjunction.com/virtual-merchant-accounts) ##### [![4 Features to Improve Your Controller's Day](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/payjunction-features-dealership-controllers.svg) 4 Features to Improve Your Controller's Day](https://blog.payjunction.com/payjunction-features-dealership-controllers) ###### 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 ## [![What Is Online Credit Card Processing?](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/online-credit-card-processing.svg) What Is Online Credit Card Processing? Online credit card processing refers to card-not-present payments that are completed on an e-commerce website via a Payment Gateway. The gateway is either provided by or integrated with a Merchant Service Provider.](https://blog.payjunction.com/online-credit-card-processing) ## [![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) ## [![Payment Gateway Providers: What to Look for When Comparing](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/payment-gateway-providers.svg) Payment Gateway Providers: What to Look for When Comparing If you operate an online store, you must have a Payment Gateway. A Payment Gateway enables the processing of card-not-present transactions online. It is one of the many payment providers you’ll use to accept credit cards.](https://blog.payjunction.com/payment-gateway-providers) ## 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. Get Email Updates GO Thank you for subscribing! PayJunction is a Level 1 PCI Compliant Provider. PayJunction is a registered ISO of PNC Bank, N.A., Pittsburgh, PA. © 2026 PayJunction. All rights reserved. [Privacy Policy](https://support.payjunction.com/hc/en-us/articles/211053648) and [Terms of Use](https://support.payjunction.com/hc/en-us/articles/211053628). ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Christina Lavingia" }, "dateModified" : "2023-04-03", "datePublished" : "2019-09-26", "description" : "Here's a simple way to streamline your e-commerce providers: partner with one that's a Merchant Account Provider and Payment Gateway in one.", "headline" : "How to Eliminate Your Payment Gateway Bill", "image" : { "@type" : "ImageObject", "url" : "https://cdn2.hubspot.net/hubfs/635739/BLOG/FEATURED%20IMAGES/payment-gateway-bill-e-commerce.svg" }, "mainEntityOfPage" : "https://blog.payjunction.com/payment-gateway-bill-e-commerce", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://cdn2.hubspot.net/hubfs/635739/logo-400px.png" }, "name" : "PayJunction" } } ```