Solutions · Payment gateways

Payment gateways
for online and invoice payments

Selling online, sending invoices, or billing every month? You need a gateway. We pick the right one, help connect it, and keep cards and ACH on one account.

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Or call 949-946-2442 or text us.

Payment gateway

Invoices, recurring billing, and online payments in one place.

There are a few good options here. Tell us how you bill and we'll point you to one.

PayBright Gateway invoices dashboard

PayBright Gateway

Hosted pages, a virtual terminal, recurring billing, fraud tools, and integrations in one gateway.

  • Cards and ACH bank payments in one place
  • Virtual terminal to take cards by phone or browser
  • Customer vault to store cards for future billing
  • Invoices by email or text, with tracking for what's been paid
  • Recurring billing that updates many expired or replaced cards automatically
  • Branded payment pages that take cards, Apple Pay, and Google Pay
  • Cash discount, dual pricing, or surcharging. Surcharging isn't allowed in every state and can't be applied to debit cards.
  • Lower rates on qualifying business-to-business card payments
  • Chargeback alerts and tools to help cut down on disputes
  • Connects to software like WooCommerce and NetSuite, and we confirm your setup first

Good for: professional services, home and field services, healthcare and medical, beauty and wellness, B2B, property and recurring services, and automotive.

Software company? There are APIs and a test sandbox. Ask us for access.

Terminals on the gateway

Start the sale on your computer or POS and finish it on the terminal, at the counter or on the go. Every payment stays synced with the gateway, right next to your invoices and recurring billing.

Equinox 8500 countertop card terminal with PIN pad

Equinox 8500

A countertop card terminal with a built-in PIN pad and a large screen.

Good for: front desks and counters that just need to take cards.

Equinox 6200 compact keypad card terminal

Equinox 6200

A compact handheld terminal you can use at the counter or carry to the customer.

Good for: small counters, offices, and payments on the go.

Other gateways and payment platforms

Authorize.net

Online, mobile, phone, and in-person payments from one gateway.

  • Cards, eChecks, Apple Pay, Google Pay, and PayPal online
  • Virtual Terminal for phone orders
  • Built-in, real-time fraud detection
  • Buy Now and Donate buttons for simple checkout

Fluidpay

Card and ACH payments on one gateway and dashboard.

  • Virtual terminal with card and ACH on one form
  • Recurring billing with account updater
  • WatchDog fraud rules and velocity filters
  • Level 3 processing for B2B and B2G payments

NMI

Online, in-store, and mobile payments from one gateway account.

  • Virtual terminal, hosted payment page, and QR code payment links
  • Recurring billing with automatic card updater
  • Text-to-pay and electronic invoicing
  • Shopify, QuickBooks, and Xero integrations

Hyfin

Invoicing and payments in one platform.

  • Virtual terminal for card-not-present payments
  • Payment links and text or email payment requests
  • Recurring and automatic payments

See Hyfin invoicing →

Works with your software: the gateway connects to systems like WooCommerce, Oracle NetSuite, Chargezoom, BillerGenie, and SwipeSimple. See the full list.

Already on another gateway? If your website or software runs on Authorize.net, NMI, or Fluidpay, we can usually keep it connected while you switch processors.

What a gateway does

Do you even need a gateway?

If every sale happens at your counter, maybe not. A gateway is what connects your website, invoices, or billing software to your merchant account.

Online stores

Checkout on your website.

Recurring billing

Subscriptions, memberships, and payment plans.

Phone payments

A virtual terminal in your browser.

Invoice pay links

Links clients can pay from email or text.

Custom software

APIs and a test sandbox for developers.

Who it's for

Built for businesses like yours.

Online stores

Branded payment pages that take cards, Apple Pay, and Google Pay.

Service businesses

Invoices, a virtual terminal, and recurring billing.

B2B

Lower rates on qualifying business card payments.

Software companies

APIs and a test sandbox, available on request.

How it works

From first call to first payment.

01

Tell us what you run

Your website, cart, or billing software.

02

We pick the gateway

The PayBright Gateway, Authorize.net, NMI, or Fluidpay.

03

Get connected

We help connect it to your website or software.

04

Go live

Take payments online, by invoice, or on a schedule.

Pairs well with: Virtual terminals · Recurring billing · Invoicing · QuickBooks integrations

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Which one fits

Which gateway? Depends on what you run.

Selling online?

Authorize.net and NMI connect to many shopping carts, and the PayBright Gateway has hosted payment pages.

Billing on a schedule?

The PayBright Gateway, Fluidpay, and NMI all handle recurring billing with card updates.

Mostly invoices?

Hyfin adds invoicing, a client portal, and QuickBooks sync.

Custom software?

The PayBright Gateway has APIs and a test sandbox.

Also included

The rest of the setup.

Next-day funding

You get next-day funding, so you aren't waiting days for your own money.

Free equipment if you qualify

Terminals and POS at $0 upfront on approved setups. No lease. We match the equipment to how you sell.

Month-to-month

No long-term contract and no cancellation fee on the processing agreement we set up.

Setup and training

Setup and training are part of the account.

No rate increases, ever

Your markup never goes up. Interchange is set by the card networks and can change.

24/7 processor & POS support

Processor and POS support is available 24/7, except most federal holidays. Day-to-day account questions come straight to us.

Common questions

Straight answers.

What is a payment gateway?

The secure connection that takes a card or bank payment online, by phone, or on an invoice and sends it to your merchant account.

Can I keep my current gateway?

If your website or software runs on Authorize.net, NMI, or Fluidpay, we can usually keep it connected while you switch processors.

Do gateways take ACH?

Yes. The PayBright Gateway and Fluidpay take cards and ACH bank payments in one place.

Do I need a gateway if I have a POS?

Only if you also take payments online, by invoice, or on a schedule. In-store sales run through your POS.

What's the difference between a gateway and a processor?

The gateway sends the payment securely from your website or software. The processor moves the money into your bank account.

Can I use dual pricing or cash discount online?

Yes. The PayBright Gateway supports cash discount, dual pricing, and surcharging. Surcharging isn't allowed in every state and can't be applied to debit cards.

Still have a question? Call 949-946-2442 or text us.

Get My Free Rate Analysis →New Business? Start Here

Other solutions: All solutions · Business funding · Gift cards & loyalty · High-risk processing · Invoicing · Merchant services · Mobile payments · QuickBooks integrations · Recurring billing · Virtual terminals