Built to take payments with ease: online, in-store and over the phone.

What Is A Payment Gateway?

A payment gateway is a type of technology for transferring payment data. The payment gateway securely passes credit or debit card details from when the customer makes an online payment on your merchant website, to the acquiring banks, and back to the customer with an accepted or declined transaction; connecting the customer to the merchant.


Flexible acquiring options ensure that you’ll have a cost-effective, secure and local payments solution.


Process payments securely and without interruption with maximum levels of service and 99.99% processing uptime.

Popular Payment

Access supported payment schemes like Visa, Mastercard and more than 198 popular payment methods including Apple Pay, Google Pay and Alipay.


Get started with one integration to take payments across e-commerce, m-commerce and mobile app payment channels.

The Power Of The Gateway

Total Processing matches you with the best banks for your business. Our all-in-one approach makes sure taking payments is simple, cost-effective and secure.

Collecting Data

The customer initiates the purchase by inputting credit or debit card details on your checkout page. The details will then be transferred securely to the payment gateway.

Transferring Data

The payment gateway will check the customer has funds available and securely transfers the payment data to the acquiring bank.

Payment Authorisation

The payment data is transferred to the issuing bank and card schemes for authorisation and the payment gateway sends the information back to your website to display approval to the customer.


Go global with 198+ payment methods available for customers worldwide.

Get Started

Strategise With Us

We’ll help you devise the best payments solution for you business.

Get Set Up

Explore your new solution with your very own test account.

Go Live

Go live and discover the benefits of Total Processing.

Ongoing Support

Get dedicated support throughout your processing journey.

Fraud & Risk

Defend Chargebacks

Defend chargebacks directly with Total Control – your single-platform solution for taking payments and risk management.

Manage Risk Response

Manage risk with our customisable fraud suite. Dynamically implement industry-leading risk tools and custom rules to monitor and prevent fraud with ease.

Risk Reporting

Monitor Risk with in-depth reporting – Real-time transaction analysis is taken from multiple data touchpoints.

Reporting &

Detailed Payments Overview

Get complete oversight of your transactions with full visibility of your processing history.

Dynamic Search Tools

Filter and refine your transactions through a variety of search parameters available in Total Control.

Take Payments in Total Control Today

Plug-ins Seamless Integration

Accept payments on a huge range of e-commerce platforms and in-app services with our range of payment plug-ins. Our wide range of developer documentation is readily available to assist merchants using WordPress, Magento and Shopify. Start taking payments through Apple Pay, Alipay, Visa and all other popular payment methods today.


Fight fraud and avoid high-risk scenarios securely with Total Processing’s all-in-one fraud suite.

Payments Made Real

Our mission is to be the most customer-focused payments company in the world.

Flexible Payments Partner

Total Processing was the flexible payments partner we needed as we scaled and ventured into new geographical locations.

Tom Jeffrey, Managing Director of Wave Direct

Frequently Asked Questions

Payment gateways may seem confusing but it’s simple. A payment gateway acts as a portal between your acquiring bank and the customer’s bank account. Having a merchant account allows your website to connect to this payment gateway.
A payment gateway fee pays for the processing of receiving debit card and credit card transactions and the receipt and authentication of such safely and securely. The fee is charged both in part by the card issuer and the gateway.
An interchange fee makes up the largest part of card processing fees merchants are required to pay. Every credit or debit card transaction made by a customer, requires the issuing banks to check the risks and costs the payment may bring, and they charge a small fee to the acquiring bank, who pass on this fee to the merchant. It is the card schemes such as Visa and Mastercard that determine the interchange fee, but it usually varies dependent on: If the payment was made online or in-person, The country where the transaction happened, The industry the merchant is trading in, volume of the transaction, security measure used, and where the card was issued.
A monthly minimum is a fee that will be charged by your processing provider if you do not process more than an agreed amount per month. If you process more than this amount, the minimum monthly payment fee is waived.
A rolling reserve is a risk management strategy put in place by a merchant’s acquiring partners to protect both them (the Bank) and the merchant against any potential loss due to chargebacks. This is typically done by hold back a percentage of processing revenue per transaction and releasing it after a set time.
3D Secure is an added fraud protection measure for customers when online shopping, and is a regulation requirement for card payments by The SCA in Europe. The 3D stands for three domains; card issuer, merchant, and the 3D infrastructure platform. When your customer makes a payment, the 3DS may carry out further checks to confirm they are the legit card owner. 3D Secure will direct the customer to an authentication page on their issuing banks website, and they will be asked to enter a password/PIN that has been sent to their phone via SMS.