Funds for credit card transactions are moved from issuing banks to acquiring banks over payment processor networks. These networks are connected via payment gateways but none of the payment gateways or the acquiring banks connect to all networks. Because of this, you must have a merchant account from an acquiring bank (or Independent Sales Organization) that is on the same network as your payment gateway.
This table shows the merchant accounts that work with each payment gateway. If you already have a payment gateway account, find a merchant account that works with it, and then apply for an account with that provider.
|Merchant Account||Authorize.Net||Payeezy First Data||Optimal Payments||PayFlow Gateway||Orbital|
|Total Merchant Services|
|Chase Merchant Services|
|The Transaction Group|
|First Data Global Gateway|
This table shows the payment gateways that work on each payment processor network. If you already have a merchant account, find out which networks it connects with, and then apply for an account with a gateway that is on the same network.
|Processor Network||Authorize.Net||First Data Global Gateway||Optimal Payments||PayPal Advanced & Pro||PayFlow Gateway||Orbital||ACH Direct|
|First Data (FDC)|
|Elavon (formerly NOVA)|