Credit / Debit Payment without Payment Gateway -

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i developing shopping app. but, credit/debit card payment, i don't want use payment gateway such stripe & authorize.net. possible make payment without gateways. or necessary use gateway?

a payment gateway proxy payment processor, works directly acquiring bank access card networks. payment gateways typically offer value added services compared processors, such recurring payments, support, etc.

going directly processor possible if don't need these features, although integration can bit more challenging. example, if provide terminal capture, need close , submit transaction batches on daily basis. failure result in higher interchange fees.

nowadays, cost of integrating advanced payment gateway (with pass-through pricing, unlike stripe) vs processor comparable, , processors start provide gateway-like apis. first data instance has e4 (gateway api) , compass (processor api).


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