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what is a payment gateway if youre selling things online youve undoubtedly come across a term payment gateway and if youre not quite sure what that is lets talk about it real quick coming up so payment gateway is a very critical and essential piece of software thats involved in the online and even retail merchant account and and credit card transaction payment gateway is simply a piece of software and it oftentimes stands between the shopping cart solution or the payment page or the the retail point of sale device that might be in a a retail store a cash register system and um it stands between that and the merchant account or the bank so if the banks over here and the point of sales here right in the middle is going to be the payment gateway and that again is the software that allows the transaction to go back and forth in a secure fashion to process the transaction and and you know pre-authorize and and actually complete the full uh credit card tran