A secure payment gateway that connects your checkout to every major card network
Authorize, capture, void and refund card transactions through one reliable gateway — with tokenization, smart fraud screening and real-time reporting built in.
What is a payment gateway?
A payment gateway is the technology that securely captures a customer's payment details and transmits them to the payment processor and card networks for authorization. Think of it as the digital equivalent of a card terminal: it encrypts the data, sends the request, and returns the bank's response to your checkout in real time.
Without a gateway, an online store cannot accept card payments. With the right gateway, you get faster checkouts, higher approval rates, fewer fraudulent orders and much simpler reconciliation. Not sure how a gateway differs from a processor? Read our guide to payment gateway vs payment processor.
Core gateway capabilities
Authorization & capture
Authorize at checkout and capture immediately, or capture later when the order ships. Partial captures are supported.
Refunds & voids
Void unsettled transactions or issue full and partial refunds from the dashboard or API.
Tokenization
Store a secure token instead of a card number for one-click checkout and repeat billing.
Card verification
Zero-dollar verification, AVS and CVV matching to confirm a card before you charge it.
3-D Secure
Support for 3DS2 authentication to shift liability and reduce fraud on higher-risk orders.
Multi-channel
One gateway for web, mobile apps, invoices, recurring billing and in-person terminals.
Why merchants choose the PayJunction gateway
- One integration for online, mobile, recurring and in-person payments
- Hosted payment fields that keep card data off your servers and reduce PCI scope
- Real-time transaction search, exports and reporting
- Signed webhooks for every payment event
- Transparent, quote-based pricing with no surprise add-ons — see pricing
- US-based onboarding and support teams
Integration options
Choose the integration that matches your resources. Hosted checkout needs no code beyond a redirect. Embedded payment fields give you full design control while card data stays isolated. The direct API gives developers complete flexibility. Popular platforms connect through ready-made plugins and integrations.
| Option | Effort | Best for |
|---|---|---|
| Hosted checkout page | Minimal | Fast launch, smallest PCI scope |
| Embedded payment fields | Low–medium | Custom-branded checkout |
| Direct REST API | Medium | Apps, platforms and custom flows |
| Ecommerce plugins | Minimal | Online stores on popular platforms |
Frequently asked questions
Is a payment gateway the same as a merchant account?
No. A merchant account is where card funds are held before payout, while a gateway transmits transaction data for authorization. PayJunction is designed to provide both together.
Can I use the gateway for in-person payments too?
Yes. The same account powers online, invoice, recurring and in-person payments, so all transactions appear in one dashboard.
Does the gateway support refunds?
Yes. You can issue full or partial refunds and void unsettled transactions from the dashboard or through the API.
Related
Ready to accept payments with PayJunction?
Tell us about your business and we'll prepare a quote and a setup plan.
Contact sales