Pacific Pay

Meet your financial needs

Secure Payment Gateway

A payment gateway is the secure connection through which transactions are submitted to the banking network for authorization, settlement and reporting. Our secure payment gateway is used by businesses in the US and throughout the world.

Customizable Fields. Add, modify or delete fields to fit the specific requirements of your business.
Multiple Merchant Accounts on a Single Gateway. Central dashboard controls all accounts for easy management.

What is a Payment Gateway?

Merchant accounts have two parts. The first is the merchant account itself. The second is the payment gateway.

Merchant accounts are established with acquiring banks. When your account is approved by the acquiring bank, you are authorized to accept card payments. Part one of your merchant account is then complete.

However, you still need a payment gateway to process payments.

A payment gateway is the connection through which transactions are encrypted and submitted to the secure banking network for authorization, settlement and reporting. The results of the authorization (approved, declined) are returned within seconds. In addition to card processing, payment gateways can include ACH, echecks, cryptocurrency, and other forms of payments.

How Secure Payment Processing Gateways Protect You

The payment gateway is Level 1 PCI-DSS certified, the highest level of payment processing security available. PCI-DSS is an acronym for Payment Card Industry Data Security Standard which is a set of requirements which ensure that all companies that process, store or transmit credit card information maintain a secure environment.

Sensitive payment data is converted to “tokens” using military grade encryption.
This eliminates the need for you to store or transmit sensitive card information.

What is a High Risk Payment Gateway?

Although the payment gateway is used by all types of businesses, it includes features that are particularly valuable to high risk merchants.

Businesses classified as high risk often have more than one merchant account. Diversification of acquiring banks is a wise strategy to mitigate risk. For example, banks sometimes change underwriting policies and decide to no longer accept certain industries. Having multiple merchant accounts ensures that processing can continue uninterrupted.

High risk payment gateways accommodate multiple merchant accounts.
Load balancing among accounts is a standard feature on the high risk payment gateway.

How the Payment Gateway Helps Prevent Fraud

Fraud prevention is important to all businesses. Whether you are a standard or high risk merchant, the fraud fighting tools in the payment gateway will help you identify good orders, decline bad ones, and set aside questionable ones for manual review.

Automated tools increase approval rates while reducing costs.
Hundreds of transaction validation tests are run on all transactions with results returned in seconds.

If you have question,we have answer

Ready To Get Started?

Get a merchant account and start processing cards payments instantly. We can design a custom package for your business and integrate with your existing website. Apply Now!

Painless Processing Solution

Whether you are currently processing or need to set up a new high risk merchant account for your business,
PacificPay is here to help.

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Payment Gateway

Meet your financial needs

Secure Payment Gateway

What is a Payment Gateway?

How Secure Payment Processing Gateways Protect You

What is a High Risk Payment Gateway?

How the Payment Gateway Helps Prevent Fraud

If you have question,we have answer

Ready To Get Started?

Painless Processing Solution

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