Defend Chargebacks
Defend chargebacks directly with Total Control – your single-platform solution for taking payments and risk management.
Payment
Gateway
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.
Multi-
Acquiring
Flexible acquiring options ensure that you’ll have a cost-effective, secure and local payments solution.
99.99%
Uptime
Process payments securely and without interruption with maximum levels of service and 99.99% processing uptime.
Popular Payment
Methods
Access supported payment schemes like Visa, Mastercard and more than 198 popular payment methods including Apple Pay, Google Pay and Alipay.
Flexible
Integration
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.
Preferred
Payment
Methods
Go global with 198+ payment methods available for customers worldwide.
Get Started
Fraud & Risk
Management
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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.
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Risk Reporting
Monitor Risk with in-depth reporting – Real-time transaction analysis is taken from multiple data touchpoints.
Reporting &
Insights
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Detailed Payments Overview
Get complete oversight of your transactions with full visibility of your processing history.
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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.
Merchant
Account
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.
