Online Payment Gateway

Take payments 24/7 and easily with a safe, secure payment gateway for your website.

Payment Gateway Providers

Looking to switch your payment provider? Join Total Processing to instantly get access to quick and secure payments with a 99.99% processing uptime. Whether it’s a standard or high-risk payment gateway, with our customer-focused approach, our team of experts will guide you through the whole process from integrating the payment gateway and choosing the best payment methods to help you make savings on payment fees.

Acquiring Bank Options

Flexible acquiring bank options for a cost-effective, secure and local payments solution.

Processing Uptime

Process payments securely with maximum levels of service and a 99.99% payment processing uptime.

198+ Payment Methods

Access card transactions via Visa, Mastercard, PayPal, American Express and other debit card and credit card payments.


Integrate one platform across multiple payment channels and accept payments across your website, mobile app and more.

Payment Processor Gateways

The all-in-one payment processing gateway service makes taking payments easy, safe and affordable. It’s free to set up, and we’re here to provide 24/7 assistance.

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 configure the payment gateway with your chosen payment methods.

Get Set Up

Explore your new payments solution with your very own test account.

Go Live

Discover the real-time benefits of Total Processing’s payment gateway.

Ongoing Support

Our advisors are there to provide you with ongoing business support 24/7.

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. 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.

Get Set Up With Your Payment Gateway Today

Plug-ins For All Platforms

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.


Connect with multiple acquiring banks and accept a range of payment methods by finding the right payments solution for your business.

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

Put simply, a payment gateway is the technology behind the scenes that transfers payment data. When a customer makes a payment, whether that’s online via a merchant’s website, via a card terminal or over the phone, the payment gateway securely passes their credit or debit card details to the acquiring banks. An accepted or declined transaction is then sent back to the customer, connecting them customer to the merchant. In other words, an online payment gateway is an online payment service that acts as a portal or tunnel between your merchant account and your customer's bank account. Any business thinking of accepting payments online will require a payment gateway to connect to the acquiring banks in order to retrieve the card details and funds from their customers. Your online payment gateway is the first element that the payment information hits when it is submitted online.
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.
Yes. You will need a separate online merchant account before you can begin accepting online payments. We can help you to set up a merchant account today and find the cheapest possible price, or give you advice on how to use your existing merchant account to start taking payments.
Yes. Essentially, a payment gateway is a service or e-tool that facilitates the approval or decline of card transactions between your online business and your customers. While a payment processor is the company, like Total Processing, that manages the transactions.