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How to set up an International Payment Gateway Meet Lee. Hes a web designer from Asia and is interested in accepting payments on his website, primarily from customers in the US and Europe. But he has difficulties with finding a payment platform to process credit cards. So,he started exploring all the different options for having his own payment gateway, and here is how he plans to achieve his goal: Find a cheap payment gateway software platform, or better yet, a free, open-source solution to avoid any processing fees. Deploy the payment gateway software in a data center. Integrate his website with the payment software. Start processing transactions in different currencies. Receive money to his local bank account. Resell the payment services to other businesses. While it may seem like a solid plan, payment gateways dont really work that way. There are a few factors Lee isnt taking into account when looking for a payment gateway solution: An entry point into the banking system.