Market Guide for Digital Commerce Payment Platforms
12 January 2026 - ID G00784069 - 47 min read
By Debbie Buckland, Peter Ryan
The emergence of agentic commerce and stablecoins is changing the traditional digital commerce payment experience. Digital commerce leaders responsible for online and mobile payments should use this Market Guide to understand this complex, rapidly evolving market, as well as the related vendor platform landscape.
Overview
Key Findings
- Vendors differ significantly in core aspects of their digital commerce payment products, often making it difficult for organizations to identify which products are the best fit for their organization.
- Fraud risk and evolving fraudster tactics continuously put pressure on digital commerce payment platform vendors to adopt new and improved fraud management technologies to stop bad transactions, while enabling an effortless experience for good ones.
- No one digital commerce payment platform offers payment services in every geography. As merchants expand their business globally, they are often forced to use the services of multiple payment vendors resulting in complexity and cost inefficiency caused by having to work with multiple payment vendors.
- With the advent of agentic commerce, the infrastructure to support AI agent payments is being introduced into the e-commerce ecosystem on GenAI platforms and vendor digital commerce payment platforms.
Recommendations
Digital commerce leaders responsible for digital commerce payment platforms should:
- Treat payments as a strategic business. Select vendors that provide opportunities to increase revenue and profit through value-added services that allow you to manage the payment experience and optimize acceptance rates.
- Ensure that the business’ current and future payment strategy can be supported by the selected vendor by validating market support, payment methods and services the business requires. Include geographic expansion plans that impact payments for the next three to five years in that strategy.
- Evaluate vendors that provide integrated software or services for fraud detection, chargeback, dispute management and returns processing capabilities to reduce losses without deterring customers.
- Reduce overhead and costs by either outsourcing payment services or consolidating payment vendors, where possible. Most payment pricing is volume-based, so it makes financial sense to send as many transactions — and, therefore, as much money — through as few vendors as is practical.
- Evaluate current or prospective vendor plans for supporting and protecting AI agent payments to determine how to leverage AI agent payment technology in your company’s ecosystem. Accepting AI agent payments is complex and their impact on revenue, customer retention and payment costs should be considered.
Strategic Planning Assumption
- By 2030, AI agents will replace 10% of the traditional online check-out interactions on a merchant’s website to make payments for consumer purchases using a credit card.
Market Definition
Gartner defines digital commerce payment platforms as technology solutions that integrate with online merchant or business channels to accept, authorize, process and settle payments securely and electronically. Vendors offer these platforms as software as a service (SaaS) or payments as a packaged service (PaaPS). Digital commerce payment platforms consist of a payment gateway, payment processing, acquiring services, payment security, fraud detection and ancillary services.
A digital commerce payment platform facilitates the secure payment of funds for purchasing goods and services in online environments, such as e-commerce websites, mobile applications and digital marketplaces, on behalf of a seller. It allows a merchant to take payments online and reduces the effort to comply with payment regulations, placing the burden on the platform vendor rather than the seller. The platform integrates with multiple back-end and front-end solutions.
The payment experience is critical to merchant success. Merchants and buyers demand a consistent, trusted, unified payment experience that allows for seamless interactions across all touchpoints. A digital commerce payment platform facilitates expanding business globally, accepting localized payment methods and currencies, and offering customer-preferred payment methods.
A digital commerce payment platform is made up of the following capabilities:
- Payment gateway: This component captures and encrypts the payment, connects the merchant’s digital store to the payment processor, receives and sends payment authorization to the merchant, collects data for reporting, and applies fraud detection and prevention tools.
- Payment processing: This component connects to the payment gateway to receive transactions, authenticates and authorizes them, provides encryption and security, supports multiple payment types and currencies.
- Acquiring services: Transfers funds from the issuing bank to the acquiring bank and credits the merchant minus fees.
A digital commerce payment platform must provide a payment gateway. It can then partner with, integrate with other providers, or build applications to offer the remainder of the features to provide a comprehensive solution.
Mandatory Features
- Payment acceptance via an API or an integrated user interface to the merchant’s e-commerce website.
- Acquiring services to collect funds on behalf of the merchant to be deposited into their designated bank account, either through the digital commerce payment platform vendor’s acquiring account, through an account created for the merchant by the vendor or through the merchant’s selected acquiring account.
- Payment security through PCI-compliant handling and storage of payment data, including tokenization of payment credentials, and using 3D Secure to verify a cardholder’s identity during online purchases. Note that 3D Secure is not mandatory in every geography.
- Processing of card transactions (minimally Mastercard and Visa) using the payment processor(s) preintegrated with the platform, and requesting authorization from the issuer to ensure funds availability to cover the payment.
- Risk management, including tools to mitigate fraud detection and chargebacks and to support dispute management.
- Merchant portal and analytics that provide dashboard reporting and data to show payment activity and settlement, with the ability to export data to enterprise resource planning (ERP) or other financial accounting software.
Common Features
- Payment method support beyond cards to support domestic card schemes in different countries: digital wallets (e.g., Alipay, Apple Pay, Google Pay, PayPal or WeChat Pay); pay by bank; real-time payment (RTP) methods (e.g., FedNow, PIX, RTP, SEPA Instant, Unified Payments Interface [UPI]); batch payment methods like electronic funds transfers (EFTs, e.g., the U.S. automated clearinghouse [ACH] system); buy now pay later (BNPL); and stablecoin
- Ability for a merchant to send payments (payouts) to digital wallets, bank accounts or credit cards
- Support for multicurrency payments for cross-border transactions and dynamic currency conversion
- Ability to use network tokens, smart tokens and migrate e tokens
- Support for payment optimization features such as account updater, 3D Secure, and level 2 and 3 (L2/L3) data to increase payment authorization probability
- Payment acceptance via in-person channels such as point-of-sale (POS) physical terminals, virtual terminals, tap to pay, call center and IVR
- Invoicing capabilities for B2B payments to show invoices at the time of payment initiation
- Intelligent routing of payments via rules that the merchant can configure
- Post payment fraud prevention to protect against returns abuse, shipping address changes and activities that push chargebacks further from the payment
- Ability to surcharge customers for credit card processing fees
- Tax services to enable global tax compliance by identifying merchant tax obligations, managing registrations, calculating and collecting the right amount of tax worldwide, and enabling tax filings
- Merchant of record services to accept payments, manage chargebacks, handle sales-related taxes, and ensure compliance with payment regulations on behalf of the merchant.
- Seller of record services to act as the legal entity selling goods to customers on behalf of the merchant.
Market Description
Digital commerce payments are electronic transactions that are processed in real time. The platforms that support them integrate multiple services — including payment gateways, processing engines, fraud detection tools, tax and compliance management, and security features — to enable merchants and customers to complete transactions rapidly and securely. As digital sales channels expand, payments platforms now extend beyond mere transaction initiation. They provide value-added functions such as seamless integration with e-commerce systems, recurring billing, invoicing, integration with financial software (ERP) and advanced interoperability with digital wallets and alternative payment methods. See Build Digital Commerce Portfolios by Leveraging the Application Ecosystem.
Today’s digital commerce payment platforms are designed to support both small and large organizations by offering modular, composable features that enable businesses to adapt quickly to market changes and customer expectations. Payment processes are embedded within digital sales channels — from online storefronts to physical POS systems — providing a unified, integrated experience. Growing demand for seamless consumer experiences, rising global online sales, and accelerated adoption of digital wallets and mobile payment methods have all contributed to the rapid growth of digital commerce payment platforms.
Vendor Platform Differentiation
There are six key areas of differentiation for vendor platforms in the digital commerce payment platform market:
- Primary architecture: All vendors within this Market Guide will fall into one of three primary architectural models:
- Full stack — Inclusive of the payment gateway for buyer-facing payment acceptance capabilities, which is dedicated to the vendor’s back-end processing, acquiring licenses and financial settlement.
- Multiprocessor-agnostic — One consolidated, front end for buyer-facing payment acceptance capabilities connecting to the payment processor/acquirer back ends of the merchant customer’s choosing, with the merchant contracting directly with the processors/acquirers.
- Multiprocessor merchant of record (MoR) or seller of record (SoR) — One consolidated front end for buyer-facing payment acceptance capabilities under a multiprocessor architecture. The vendor acts as an MoR or SoR, where the merchant does not contract directly with the payment processors/acquirers on the back end.
- Merchant size: Most vendors have a customer distribution that is heavily weighted toward either the small and midsize business (SMB)/midmarket sector or larger midmarket and enterprise, often international, merchants. As the targeted merchant size and complexity increase, the sophistication of the offering also grows. Enterprise-centric solutions commonly include support for more rigid SLAs and processing redundancy; more transparent, but complex pricing; and more sophisticated conversion optimization tools. The focus of this Market Guide is solutions that are commonly used by enterprise merchants
- Channel: Although many vendors support multiple channels, they often have stronger footprints in specific channels. For example, some vendors have a larger market share in the physical world — point of sale (POS), face-to-face and card-present transaction processing. Others have a bigger footprint in digital commerce, card-not-present processing.
- Geography: Although no one vendor offers every card and digital alternative payment method in every country, a handful of global vendors come close while others are concentrated in a single region or country, and have weaknesses in other locales. The focus of this research is vendors with multiregional and global product offerings.
- Payment method: Payment method support usually correlates with geographic coverage, as payment preferences are affected by culture, economy, regulatory, and other national or regional factors. All the providers included in this Market Guide offer at least major credit card acceptance services. Some may specialize in offering a broad range of alternative and local payment methods.
- Product suite: Some merchants require specialized point solutions or comprehensive one-stop-shop vendors that can address a wide breadth of payment ecosystem business needs. The best payment solutions are inherently composable, allowing merchants to select business capabilities without committing to the entire suite.
Payment Orchestration
The term “payment orchestration” has become increasingly popular for vendors with a multiprocessor architecture (both agnostic and MoR/SoR). Most vendors with a primary architecture of multiprocessor classify their offerings as such. Gartner defines payment orchestration as a platform that connects the payment gateway to multiple payment service processors (PSPs), intelligently routes and optimizes transactions, protects sensitive data, manages fraud and risk, and analyzes performance. Some vendors use it to denote different technical capabilities. Since the architecture of payment orchestration platforms mirrors that of the definition for multiprocessor-agnostic, Gartner does not consider this to be a separate category, but rather a feature of platforms with multiprocessor-agnostic architecture.
The value proposition to merchants lies not in the “orchestration” distinction, but in the improvements in authorization and conversion rates, and increased revenue opportunities that are unlocked with an effective global payment strategy. This is enabled by intelligent routing capabilities that allow least cost routing to be established through configuration.
Market Direction
The digital commerce payment market is complex and dynamic. Although some aspects of the market are mature — such as wholesale processing, hosted payment pages and tokenization — the market continues to evolve. The global retail e-commerce market is expected to grow at a compound annual growth rate of 6.3% from 2025 through 2030, reaching market size of $4,964 trillion by 2030 up from $3,660 trillion in 2025.1 Those numbers do not include B2B, however, which is one of the fastest-growing areas of digital commerce.
Vendors in the digital commerce payments platform space continue to evolve their products as the regulatory and threat environment, alternative payment methods, and technology change. In response, vendors are adding capabilities and innovations to their platforms.
Credit Card Surcharging
In the future, Gartner expects most of the market to support credit card surcharging (in markets where it is allowed); those digital commerce payment platform vendors who do not provide that functionality may lose business to those vendors who do. There are merchant cost implications and regulatory drivers affecting the need for credit card surcharging.
These incremental, payment-method-specific fees are an increasingly popular way for small and midsize businesses to offset costs where margins are tight. It is also popular for utility companies managed by municipalities to pass on a fee to cover all or part of the interchange rate. This increase in demand for credit card surcharging capabilities has made this once optional feature of vendor platforms a required value-added service.
From a regulatory perspective, vendors must adapt to variations by geography. For example, each state in the U.S. has different regulations.2 In countries that maintain high interchange rates tied to rich consumer rewards programs, the battle continues between merchants and the major card brands. A newly proposed settlement in the U.S. between two major card brands has the potential to change how much merchants pay to process cards on these card payment networks, while giving merchants the flexibility to treat rewards cards differently.3
If approved by the court, interchange fees in the U.S. would be reduced over the next five years and cap standard consumer credit rates for eight years. The rule requiring merchants to honor all cards would also be set aside. That change allows merchants to reject high-reward cards that come with higher interchange rates or pass fees directly to consumers via surcharging.4 Capped or lower interchange fees and lower consumer reward payouts are common in other geographies, such as the United Kingdom.5, 6 Digital commerce payment platform vendors will need to improve their platforms to ensure the customer experience is not sacrificed due to merchant ability to reject high-reward cards. Merchants will move away from vendors who don’t provide both credit card surcharging and configuration for high-reward card acceptance versus rejection.
Stablecoin Payments
Digital commerce payment platform vendors have taken notice of the issuance of stablecoins and anticipated demand for stablecoin payments as an alternative payment method. “The use of stablecoins has increased in recent years with the average supply of stablecoins in circulation increasing roughly 28% year over year. Total transfer volume, meanwhile, hit $27.6 trillion last year, surpassing the combined volume of Visa and Mastercard transactions in 2024.”7 In response, digital commerce payment providers are acquiring or partnering with other vendors to offer stablecoin payment capabilities. Some providers are ahead of the trend by already adding payment acceptance for stablecoin presented through digital wallets or stablecoin linked cards.8,9,10 Others are issuing their own stablecoins to be used in their digital wallets.
Just as there are many fiat-currency-based digital wallets, there will also be a proliferation of stablecoin wallets. Gartner expects merchants will require wallet interoperability as part of stablecoin payment acceptance to enable them to accept any stablecoin from any stablecoin wallet. In addition, banks will also be offering stablecoin payments. Vendors will extend the pay by bank alternative payment method to stablecoin payments for customers who wish to leverage this through their banking relationship.
AI Agents in Payments
By 2030, Gartner expects AI agents will replace 10% of the traditional online check-out interactions on a merchant’s website to make payments for consumer purchases using a credit card. Digital commerce payment platform vendors will take on even more partners as agentic commerce becomes more mainstream. This will make the merchant ecosystem more complex rather than less. Vendors will want to keep processing all of their merchants’ payments regardless of where they are initiated — in ChatGPT or in a GenAI LLM. One click check-out in a chat will become a required feature as the transition to full AI agent payments evolves to streamline the check-out experience.
Providers are also assessing the implications for fraud in a future world of AI agents. New protocols like Visa’s Trusted Agent Protocol11 and Mastercard Agent Pay Acceptance Framework12 are under development to ensure that AI agents are registered, recognized, trusted and assigned tokens. The announcements by Google of AP213 and by OpenAI of ACP14,15,16 on top of Perplexity’s Shop Like a Pro announcement17 last year have accelerated the timeline for digital commerce leaders to prepare their organizations for secure participation in agentic commerce ecosystems. See How to Securely Experiment with OpenAI and Google Agentic Commerce.
Digital commerce leaders must keep abreast of how digital commerce payments platforms (and the overall payments ecosystem) will innovate for AI agent payments in the coming years.
Market Analysis
A digital commerce payment platform facilitates the secure payment of funds for purchasing goods and services in online environments, such as e-commerce websites and mobile applications, on behalf of a merchant. The ecosystem to support those local and global payments and the surrounding value-added services has become complex. Digital commerce payment platform vendors continue to modernize their platforms to reduce the ecosystem footprint by making them composable, configurable and flexible to provide a unified customer experience.
Unified Payment Customer Experience
A unified payment customer experience integrates online, mobile, and POS payments onto a single platform, allowing customers to enjoy consistent, personalized service, using preferred payment methods anywhere. Data silos are overcome, offering smooth, frictionless check-outs and providing merchants with a complete customer view for better decisions, helping to boost sales and operational efficiency.
Digital commerce payment vendors have become more adept at supporting both online and physical channels to fulfill merchant channel expansion aspirations. Having a single payment gateway platform vendor across channels enables common tokenization strategies that connect in-store and online customer activity. This data linkage is important for popular buy online; pickup in store (BOPIS); or buy online, return in store (BORIS) and other multichannel purchase flows, as well as for creating a complete picture of an individual customer’s preferences and behaviors.
Key features of unified payment customer experience include:
- Frictionless check-out: One click check-out and stored credentials are now must-have features as agentic commerce proliferates.
- Preferred payment method availability: Consistently present customers preferred payment methods in all channels, even if those payment methods are offered by different payment processors in the ecosystem. For cross-border payments, support diverse local payment methods (mobile money, local wallets) to tap into high-growth and emerging markets.
- Payment data security: Tokenization of payment credentials. Real-time fraud detection powered by AI, risk scoring, and biometrics, to enhance trust and security.
- Intelligent routing: Allows businesses to add payment types (digital wallets, stablecoin) and orchestrate payment processing through configuration screens.
The term “payment orchestration” has become increasingly popular for both merchants and vendors with a multiprocessor architecture. Intelligent routing has been added by vendors to digital commerce payment platforms in various degrees to provide payment orchestration capabilities that can be controlled by the merchant via configuration. In a multiprocessor architecture, intelligent routing features analyze transactions in real time to determine the best processing path and dynamically routes transactions to that path based on a combination of specific criteria. Criteria include:
- Efficiency (speed of transaction)
- Cost-effectiveness
- Geographic optimization routes transactions to regional PSPs for local card and alternative payment methods to reduce fees and increase authorization rates
- Risk-based routing based on transaction risk score sends the transaction to the path most likely to authorize the transaction on the first try
- Load balancing among PSPs
- Automatic retries to a different PSPs upon transaction decline
Vendors offer configuration screens to provide merchants with the ability to establish intelligent routing preferences while others use AI to establish routing rules and flows.
As aspects of the payment value chain become mature and even commoditized, vendors are introducing adjacent technologies or services to appeal to B2B merchants and expand their financial services footprint to compete with vendors in the invoice to cash product market. Services include:
- Fraud detection
- Electronic billing (one time or recurring)
- Subscription management
- Vertical solutions tailored to specific industry segments
- Tax
- Credit card issuing
- Financial services
- Business finance
- Custom reporting and analytics
Alternative and Local Payment Methods
As of early 2025, 57% of global transactions are completed via credit cards or digital payments.18 Preferred payment methods vary dramatically by geography, driven by the unique cultural, technological, local regulations, economic and social behaviors of people in different countries and regions. Not all vendors support all alternative and local payment methods. Most vendor platforms support the global regions most popularly requested by their merchant base. Vendors are offering an expanded payment method mix organically in their platforms or through partnerships with other PSPs.
There are six main categories of alternative payment methods that are offered by digital commerce payment platforms:
- Pay by bank or “push” real-time/instant transactions from bank accounts. Vendors are offering this alternative payment method to keep merchants from building out separate direct connections to banks and leverage the existing connectivity to their payment vendors. With pay by bank, consumers are redirected from the vendor’s check-out page to interface directly with their bank and enter their online banking credentials, thereby authorizing their bank to send funds to the merchant. This form of payment includes branded payments, such as Bizum in Spain, PIX in Brazil and UPI in India.
This category includes open banking scenarios such as those encouraged by the PSD2 open-banking initiative in the EU. It also includes real-time payment networks such as SEPA Instant, and RTP from The Clearing House (TCH) and FedNow in the U.S. Many of the digital commerce payment vendors profiled in this report are adding connectivity to instant payment networks or aggregators, which provide consolidated access to the open banking networks. - Digital wallets. Vendors have recognized the global growth of digital wallets in card and alternative payment methods like stablecoin and continue to expand their offerings in regions of high digital wallet usage. In the digital wallet payment flow, consumers are redirected from the merchant’s website to a digital wallet provider, where they are authenticated by methods such as username and password, biometric device authentication, or an out-of-band one-time passcode. The consumer’s payment credentials, such as credit or debit card number, or bank account details, are stored securely by the digital wallet provider. In many cases, the consumer can also store a balance with the digital wallet provider and make payments from this stored balance. Examples are Alipay, PayPal, Venmo and WeChat Pay.
This category includes closed-loop wallets used within a defined merchant or merchants, such as the Starbucks or Walmart mobile payment applications. It also includes passive enrollment wallets such as Shop Pay and Amazon Pay. The OEM wallet is a special case that provides a consumer experience layer similar to other digital wallets; however, the wallet provider does not handle or store the funds. Examples of OEM wallets are Apple Pay, Google Pay and Click to Pay (which is built on EMVCo’s Secure Remote Commerce specification, and adopted by the global card brands).19 - Buy Now Pay Later (BNPL). This alternative payment method is being offered by vendors through partnership integrations with popular brands. It is a form of short-term credit that is integrated into a digital wallet or mobile application that enables the consumer to receive goods while paying for them over time. It includes both deferred and installment options, although they are most widely known for installments. BNPL extends credit to the consumer, and includes brands such as Afterpay, Affirm, Klarna and PayPal. BNPL is now being offered by vendor platforms both online and at the point-of-sale (POS), however, not all vendors offer it in both channels consistently. Vendors have also added a value-added service for merchants to offer capital financing in B2B e-commerce payment flows.
- Offline payments. Sometimes referred to as quasi-cash, these payment transactions are initiated through an online interaction with a merchant, but paid by the consumer at a later time in a separate transaction that is often face to face. This includes payment methods such as boleto bancário in Brazil and Western Union payments. Not all vendors offer this alternative payment method so if this is a requirement for your business, make sure to evaluate a vendors alternative payment method coverage carefully.
- Digital and cryptocurrencies. Vendors are adding stablecoins as an alternative payment to their platforms due to its rise in use,7 without significant proof of consumer demand for its use in digital commerce payments. Digital commerce payment platform vendors are betting on merchants promoting stablecoin use to reduce cross-border payment processing fees.
This category includes cryptocurrencies, stablecoins and retail central bank issued digital currencies (CBDCs). Stablecoins are a type of cryptocurrency. Their value is pegged to fiat currency such as USD. As the value is pegged, stablecoins are ideal as a payment instrument that makes use of the programmability of the blockchain or to move value across borders in real time. Retail CBDC is a digital currency issued by a central bank as an account-based system or token — a digital representation of a fiat currency. Retail CBDCs are distributed via digital wallets at a central bank or at affiliated and licensed financial institutions. As it has a central bank liability, it is often referred to as “digital cash” and is open to be used by the public and by companies. (See Hype Cycle for Payment Innovation in Banking, 2025). While digitally native cryptocurrencies are most commonly seen in digital commerce today, stablecoins are rising in popularity.7 Stablecoins and CBDCs are a better fit for digital commerce payments but will compete with each other for use in certain geographies. - Direct debits. Also referred to as pay by bank or “pull” transactions from bank accounts. This alternative payment method is supported by most vendors, but is especially common in vendor platforms that specialize in service industries like insurance, utilities and the public sector. Value-added services like subscription management and recurring payments are common vendor features that leverage this alternative payment method.
In a direct debit scenario, consumers provide bank account details to the merchant and the merchant initiates the transactions to withdraw funds from the consumers’ bank accounts. Direct debits are named differently in different countries and regions — for example, as automatic clearing house (ACH) payments in the U.S., electronic funds transfer (EFT) payments in Canada and SEPA direct debit in the European Union (EU). Direct debits often carry regulatory mandates for enrollment that may be time-consuming and create a cumbersome customer experience. As a result, they are most commonly used for regular recurring transactions and rarely used for one-off commerce purchases.
Representative Vendors
The vendors listed in this Market Guide do not imply an exhaustive list. This section is intended to provide more understanding of the market and its offerings.
Vendor Selection
Table 1 and Figure 1 summarize the vendors and platforms profiled in this Market Guide. Refer to the Acronym Key and Glossary Terms for descriptions of each term. All representative vendors have a multitenant SaaS payment gateway, tokenization, and mobile commerce including SDKs and responsive pages. (See Note 1 for additional information regarding attributes that are common to all vendors in this Market Guide.)
Representative Vendors in the Digital Commerce Payment Platforms Market
Product Name | Headquarters | |
Adyen Fintech Platform | Amsterdam, Netherlands | |
BlueSnap Global Payment Orchestration Platform | Waltham, Massachusetts, U.S. | |
One Source Orchestration (OSO) Platform | London, United Kingdom and Copenhagen Denmark | |
Checkout.com Payment Processing | London, United Kingdom | |
mobiquity platform | Gurugram, Haryana, India | |
Commerce Hub | Milwaukee, Wisconsin, U.S. | |
Global Payments | Atlanta, Georgia, U.S. | |
Payment Orchestration Platform | Lehi, Utah, U.S. | |
Commerce Platform | New York, New York, U.S. | |
Merchant Cloud | London, United Kingdom | |
Nuvei Core Platform | Montreal, Quebec, Canada | |
Way4 Merchant Acquiring Platform | Mont-Saint-Guibert, Belgium | |
Payment Gateway | Amman, Jordan | |
PayPal Enterprise Payments (formerly Braintree) | San Jose, California, U.S. | |
Stripe Payments | South San Francisco, California, U.S. | |
Visa Acceptance Platform, Cybersource Merchant Gateway, Visa Intelligent Authorization | San Francisco, California, U.S. | |
Worldpay | Symmes Township, Ohio, U.S. | |
Source: Gartner (January 2026)
Figure 1 below highlights common digital commerce payment platform features offered by the vendors profiled in this Market Guide. If a feature is offered the figure depicts whether the feature is offered via the vendor’s technology or a partnership and/or referral arrangement.
Vendor Profiles
Adyen*
Profile: Adyen is a publicly traded company founded in 2006. Its enterprise merchants are based in North America, LATAM, Europe and the APAC region. Adyen develops and owns all of its software. Hardware is built through a combination of internal development and external vendors. The solution supports Card Not Present, Card Present, alternative and local payment method transactions that flow through a single platform, with tokenization of payments for use across channels. Adyen has a large global-acquiring, local and alternative payment method footprint.
The payments platform provides direct-to-network connectivity for credit and debit card processing. The platform also offers treasury services to manage liquidity and payouts for the merchant to make card and bank payments and issue credit cards.
Adyen offers fraud management and payment optimization tools through Adyen Uplift. Uplift is an AI-powered payment optimization suite that aims to increase payment conversion, simplify fraud management, and reduce the cost of payments.
Payment acceptance products: Adyen Fintech Platform
Primary gateway model supported: Full Stack
Average cloud implementation duration (in months): N/A
Consolidated reporting for reconciliation to support multiple acquirers: N/A
Settlement frequency supported: N/A
*Indicates vendor response based on previous survey responses, vendor briefings and marketing material reviews.
BlueSnap
Profile: BlueSnap, founded in 2002, was acquired by Payroc, a payments platform and merchant acquirer. The acquisition was completed in October 2025. BlueSnap’s primary architecture is full stack and offers intelligent payment routing at the individual transaction level across multiple acquirer processors with a single contract, a single integration for both front end and back end, and a unified payout. The platform provides configuration capabilities to businesses allowing them to toggle on and off important functionality of their payment stack. BlueSnap’s enterprise presence is in North America, Europe and the MEA region.
Fraud detection is supported through a partnership with Kount. BlueSnap offers Full-Service Dispute Management to complement its chargeback management technology. BlueSnap Invoicing and Billing Solutions and BlueSnap Embedded Payments, which help businesses embed payments into their platform to sell payments to their customers, also complement the core payment solution.
BlueSnap cites single integration to the BlueSnap API, intelligent payment routing, and global payment acceptance and local acquiring in 50 countries as its competitive differentiators.
Payment acceptance products: BlueSnap Global Payment Orchestration Platform, BlueSnap Embedded Payments
Primary gateway model supported: Full stack; self-identifies as a payment orchestrator
Average cloud implementation duration (in months): N/A
Consolidated reporting for reconciliation to support multiple acquirers: Yes
Settlement frequency supported: Daily
CellPoint Digital
Profile: CellPoint Digital is a privately funded company founded in 2007. It focuses on enterprise merchants with broad, global footprints that seek a complex, multiprocessor architecture for strategic advantage. The OSO Platform consolidates cards, alternative payment methods, acquirers, wallets and risk and fraud solutions into a single architecture. Real-time intelligence evaluates every transaction and routes it to the best processor, with the goal of improving authorization and conversion rates while providing a seamless customer experience across payment methods. CellPoint Digital also manages the full operational life cycle, including settlement, reconciliation, reporting and dispute workflows.
As a multiprocessor-agnostic platform, CellPoint Digital does not hold its own acquiring licenses. Rather, it helps merchants to optimize their connectivity to processor/acquirers and other endpoints such as local and alternative payment methods and other value-added services.
OSO is a platform designed specifically for the airline and travel industry. Its enterprise customer base is located in North America, LATAM and Europe, and in the MEA and APAC regions.
Payment acceptance products: One Source Orchestration (OSO) Platform
Gateway models supported: Multiprocessor-agnostic; self-identifies as a payment orchestrator platform
Average cloud implementation duration (in months): 2
Consolidated reporting for reconciliation to support multiple acquirers: Yes
Settlement frequency supported: Other
Checkout.com
Profile: Checkout.com is a private company founded in 2012. Built in-house, the platform offers merchants payment gateway, processor, and merchant acquiring functions all in one platform.
Value-added services provided include risk tools, issuing and funds management. The modularity of Checkout.com aims to provide multiple entry points and allow merchants to leverage value-added services across multiple payment service providers. Flow, one of the modular offerings, helps merchants boost conversions, remain compliant and enter new markets. It allows payment methods to be toggled on and off via a dashboard. Checkout.com’s Intelligent Acceptance product focuses on optimizing exemptions, authentication and routing of payments at the transaction level in real time.
The company’s global digital payments network supports over 150 currencies and is locally licensed as an acquirer in 39 countries. Most of Checkout.com’s enterprise merchant volumes are in North America, Europe, the Middle East and APAC regions.
Payment acceptance products: Checkout.com Payment Processing
Primary gateway model supported: Full stack
Average cloud implementation duration (in months): 1
Consolidated reporting for reconciliation to support multiple acquirers: Yes
Settlement frequency supported: Daily, Other
Comviva
Profile: Comviva is a private company founded in 1999 with Tech Mahindra acquiring a controlling stake in 2012. Its enterprise customer base is located in the LATAM, MEA, Europe, North America and APAC regions.
Comviva provides an API-based payment gateway with hosted, configurable payment pages and intelligent payment routing to securely transmit payment data in transit to the merchant’s payment service providers. The platform also supports digital wallet creation using mobiquity Pay. Another product, mobiquity ONE, leverages AI to enhance transaction routing, optimizing paths to reduce costs and improve conversion rates. Comviva cites a unified solution and the integration of multiple payment service providers, acquirers, and banks into a single framework as its differentiating characteristics.
Payment acceptance products: mobiquity platform (mobiquity Pay, mobiquity ONE)
Primary gateway model supported: Multiprocessor-agnostic; self-identifies as a payment orchestrator
Average cloud implementation duration (in months): 1
Consolidated reporting for reconciliation to support multiple acquirers: Yes
Settlement frequency supported: Daily
Fiserv*
Profile: Fiserv is a publicly traded company. Fiserv serves enterprise and midsize merchants with payment acceptance and orchestration services through its Merchant Solutions division. Fiserv enables access to a broad range of global, local, and alternative payment methods and value-added services (encryption and tokenization, fraud management techniques). Fiserv’s enterprise merchants are located primarily in North America, Europe and LATAM, and the APAC region.
Fiserv’s extensive global footprint serves direct merchants and other payment vendors in the ecosystem. Fiserv counts its scale and global reach, depth of insights and data, emerging flow offerings such as payouts and EBT, and omnichannel and IoT experience enablement among its most differentiating features. Its debit routing offerings leverage machine learning and benefit from the vendor’s ownership of Star and Accel.
Payment acceptance products: Commerce Hub
Primary gateway model supported: Multiprocessor-agnostic
Average cloud implementation duration (in months): N/A
Consolidated reporting for reconciliation to support multiple acquirers: N/A
Settlement frequency supported: N/A
*Indicates vendor response based on previous survey responses, vendor briefings and marketing material reviews.
Global Payments*
Profile: Global Payments is a publicly traded company founded in 1967. Global Payments serves its enterprise merchants across North America, Europe and the APAC region. Worldwide payment processing is supported by 50+ domestic acquiring licenses.
Global Payments supports POS payments and is PCI SSC-validated for P2PE. Global Payments cites its domestic acquiring and local payment method reach, as well as its local in-country expertise, among its most differentiating features.
The company offers intelligent routing by using machine learning and automatic retries to power its authorization optimization capabilities. It also supports complex fraud detection and management via its integration to Cybersource.
Payment acceptance products: Global Payments
Primary gateway model supported: Full stack
Top 5 industry sectors served: Retail Trade, Food Services and Restaurants, Education Services, Financial Services, Other (venues, nonprofit, events)
Average cloud implementation duration (in months): N/A
Consolidated reporting for reconciliation to support multiple acquirers: N/A
Settlement frequency supported: N/A
Uptime SLA commitment: 99.999%
*Indicates vendor response based on previous survey responses, vendor briefings and marketing material reviews.
IXOPAY
Profile: IXOPAY is a privately held company that is the result of a merger in 2024 between IXOPay (2014) and TokenEx (2010) and an acquisition of Congrify, an AI payments intelligence platform in 2025. Its enterprise and midmarket customer base is located in Europe, North America and LATAM.
IXOPAY provides an API-based payment gateway connectivity layer with hosted order fields and pages, and intelligent payment routing to the merchant’s providers of choice. Value-added services include both network and universal tokens, payment optimization, AI-assisted payment analytics, and custom reporting and reconciliation across providers. It lists reducing the effort required to set up, operate and maintain multiple payment provider relationships through a single technical service that integrates front- and bank-end applications as its differentiating characteristics.
Payment acceptance products: Payment Orchestration and Tokenization Platform
Gateway models supported: Multiprocessor-agnostic
Average cloud implementation duration (in months): 1
Consolidated reporting for reconciliation to support multiple acquirers: Yes
Settlement frequency supported: Other
JPMorganChase
Profile: JPMorganChase Commerce Platform is a cloud-native payments platform offering payment gateway, payment processing and global acquiring services with a host of value-added services. Its live enterprise customers are domiciled in the U.S., Canada, Australia, Europe and the U.K. Its Commerce Center provides access to payment transactions, reports, advanced analytics, customer profile management, disputes and chargeback management, via a single user interface. Commerce Platform’s fraud detection, called Safetech Fraud Tools, is powered by Kount.
J.P. Morgan Merchant Services offers acquiring of Chase-issued Visa cards on an in-house, closed-loop acquiring platform called ChaseNet. Chase is the issuer, acquirer and network for ChaseNet transactions. The company, as the largest Visa issuer in the U.S., promotes itself as being materially cost-effective for merchants by offering more economical and predictable fixed-rate pricing for these transactions. Chase transactions running through ChaseNet can also lead to increased authorization approval rates due to real-time visibility to both sides of these transactions.
Payment Acceptance Products: Commerce Platform
Primary gateway model supported: Full stack
Average cloud implementation duration (in months): 6
Consolidated reporting for reconciliation to support multiple acquirers: No
Settlement frequency supported: Daily
Mastercard
Profile: Mastercard offers a digital commerce payment platform, Merchant Cloud, which brings an agnostic suite of scalable, preintegrated services (payment optimization, tokenization, fraud detection, authentication, and a global omnichannel gateway) that supports over 35 payment methods and connectivity to more than 240 acquirers. The gateway offers global payment acceptance via a single integration. The platform offers consolidated reporting for reconciliation purposes and supports the use of multiple acquirers.
Mastercard’s stand-alone tokenization solutions enable merchants to obtain and store network tokens across card schemes, while retaining payment processing choice. Transaction Risk Management, powered by Brighterion, a Mastercard company, is an AI-driven fraud platform that leverages merchant-specific rules to prevent fraudulent behaviors. Both solutions can be used with the merchant’s chosen payment service providers.
Payment acceptance products: Merchant Cloud
Primary gateway model supported: Full stack
Average cloud implementation duration (in months): 4
Consolidated reporting for reconciliation to support multiple acquirers: Yes
Settlement frequency supported: Daily, Weekly, Monthly, Other
Nuvei
Profile: Nuvei is a private company founded in 2003. Nuvei Core Platform offers payment gateway, processor, and merchant acquiring functions with one integration. The company promotes its platform as modular, flexible, and scalable with one integration. Worldwide payment processing is supported by 50 domestic acquiring licenses.
Nuvei also enables the streamlining and automation of both Accounts Payable (AP) and Accounts Receivable (AR) processes. It connects to the merchant ERP, offering real-time invoicing and sales support, as well as bidirectional communication between the payment portal and ERP.
Nuvei counts a wide range of local payment methods, strong payment optimization tools, and local human-led support among their differentiators.
Payment acceptance products: Nuvei Core Platform, Nuvei Integrated B2B Commerce Suite
Primary gateway model supported: Full stack; self-identifies as a payment orchestrator
Average cloud implementation duration (in months): N/A
Consolidated reporting for reconciliation to support multiple acquirers: Yes
Settlement frequency supported: Daily, Weekly, Monthly, Other
OpenWay Group
Profile: OpenWay Group, a privately held company founded in 1995, serves enterprise customers across North America, LATAM, Europe, MEA, and APAC. Its global acquiring processing capabilities are supported by more than 115 domestic acquiring licenses.
Built in-house on the Way4 software platform, the Way4 Merchant Acquiring solution unifies merchant acquiring, processing, payment gateway, and omnichannel management functions, complemented by value-added services for diverse merchant verticals. The Way4 platform uses business rules to configure over 95% of its products and services. It also includes configurable digital wallet capabilities through the Way4 Digital Wallet component.
Because the Way4 platform serves banks, merchants, fintechs, processors and switching companies, it supports card and noncard payments such as real-time payments, A2A, digital currencies, crypto cards and quasi-money such as fuel liters, sustainability points and airtime.
Payment acceptance products: Way4 Merchant Acquiring Platform
Gateway models supported: Multiprocessor-agnostic
Average cloud implementation duration (in months): 5
Consolidated reporting for reconciliation to support multiple acquirers: Yes
Settlement frequency supported: Daily, Weekly, Monthly, Other
PayOne
Profile: PayOne is a privately held company founded in 2011. Their in-house built payment gateway enables payment acceptance across multiple channels, including e-commerce, mobile apps, POS devices, and pay-by-link. The payment gateway is designed for the complex regional needs of PayOne’s enterprise customer base, located in the Middle East and is acquiring bank agnostic.
PayOne lists full Oracle-validated integrations in hospitality, rapid multicountry scalability and flexible banking options among its key differentiators. PayOne for Hospitality and PayOne for Automotive and Rent-a-car are payment solutions tailored to and integrated with industry-specific business operations systems.
Payment acceptance products: Payment Gateway
Gateway models supported: Multiprocessor-agnostic
Average cloud implementation duration (in months): 2.5 months
Consolidated reporting for reconciliation to support multiple acquirers: Yes
Settlement frequency supported: Other
PayPal*
Profile: PayPal is a publicly traded company founded in 1998. Well-known globally for its consumer-facing digital wallet of the same name, PayPal also offers a full stack enterprise payment gateway called PayPal Enterprise Payments (formerly Braintree). It also owns the person-to-person payment service, Venmo. PayPal’s enterprise merchant service offerings are sold mostly in North America, Europe and the APAC region with domestic acquiring licenses in 48 countries.
PayPal Enterprise Payments gateway has an integrated, proprietary fraud detection tool that is included with the commerce payment services called Fraud Protection Advanced. It provides customizable, large-enterprise fraud detection capabilities powered by machine learning, in addition to chargeback protection and dispute automation.
Payment acceptance products: PayPal Enterprise Payments
Primary gateway model supported: Full stack
Average cloud implementation duration (in months): N/A
Consolidated reporting for reconciliation to support multiple acquirers: N/A
Settlement frequency supported: Other
*Indicates vendor response based on previous survey responses, vendor briefings and marketing material reviews.
Stripe
Profile: Stripe is a privately funded company founded in 2011. It holds domestic acquiring licenses in 53 countries. Stripe enables most alternative and local payment methods through a single integration, aiming to enable faster time to market. The company introduced the Agentic Commerce Suite in 2025 to businesses to sell goods and services on AI agents and accept agentic payments and payouts. Stripe also natively supports stablecoin payments through two acquisitions.20
Stripe Connect is Stripe’s embedded payments and finance product used by SaaS platforms and marketplaces. 15,000 platforms and marketplaces actively use Connect.21 Value-added financial infrastructure offerings such as Stripe Issuing, Financial Accounts, Tax and Billing can be embedded and distributed by platforms to their own customers. Stripe’s fraud detection product, Radar, is built into the payment flow or customers can upgrade to Radar for Fraud Teams to self-manage. Radar Assistant leverages AI to help users write rules.
Stripe cites its payments performance optimizations across the entire customer journey (check-out, fraud, authentication, authorization) among its most differentiated capabilities.
Payment acceptance products: Stripe Payments
Primary gateway model supported: Full stack
Average cloud implementation duration (in months): N/A
Consolidated reporting for reconciliation to support multiple acquirers: Yes
Settlement frequency supported: Other
Visa
Profile: Visa Acceptance Solutions, a network-agnostic portfolio, provides a connectivity hub for merchants with global acquirers, PSPs and over 100 integrated software vendors to accept payments globally. Cybersource, part of Visa Acceptance Solutions, is an agnostic gateway with extensive global reach due to its leverage of a direct connection to VisaNet via Visa Intelligent Authorization (VIA). This enables streamlined global acquirer and processor connectivity, and provides marketplaces and other platforms with access to that acquirer network. The Cybersource gateway has been unbundled so merchants can customize the services that they need, selecting from all the payment and fraud management capabilities available on the Visa Acceptance Platform.
Other solutions offered via Visa Acceptance Solutions include Verifi, a postpurchase solution, Visa Enhanced Authentication Solutions (formerly Cardinal Commerce) and Authorize.net, a payment gateway for simple payment needs. Decision Manager, an in-house fraud detection product, is also sold stand-alone and is sometimes integrated into other vendors’ digital commerce payment solutions.
Payment acceptance products: Visa Acceptance Platform, Cybersource Merchant Gateway, Visa Intelligent Authorization
Primary gateway model supported: Multiprocessor agnostic
Average cloud implementation duration (in months): 2
Consolidated reporting for reconciliation to support multiple acquirers: Yes
Settlement frequency supported: Daily, Other
Worldpay
Profile: Worldpay is a private company that provides payment processing solutions to businesses of all sizes, marketplaces and platforms. In April 2025, Global Payments announced an agreement to acquire Worldpay, and the acquisition is expected to close in the first half of 2026.22 Worldpay’s enterprise customer base is global with a presence in North America, Europe, and MEA.
Worldpay enables merchants to accept, protect, optimize and manage payments in-person and online from anywhere in the world. They offer a comprehensive payment optimization solution that leverages data, intelligence and expertise to lower costs and increase approval rates.
Worldpay for Platforms is the vendor’s embedded payments offering that integrates payments and finance features into a merchant’s software through a single integration. It serves software platforms that have small-to-midsize business (SMB) customers. Worldpay products have access to over 70 domestic acquiring licenses around the globe.
Payment acceptance products: Worldpay, Worldpay for Platforms
Primary gateway model supported: Full stack
Average cloud implementation duration (in months): 2
Consolidated reporting for reconciliation to support multiple acquirers: Yes
Settlement frequency supported: Daily
Market Recommendations
Digital commerce leaders responsible for digital commerce payment technologies should:
- Manage payments as a strategic business, not an operational one. Manage the payment experience as a differentiator and an opportunity to increase profitability.
- Refine their global payment strategy by identifying the markets in which their organization does the most business and the most commonly accepted or desired payment methods and services in those markets. Align vendor selection based on the ability to support these markets, methods and services, for the current requirements and long-term growth plans.
- Manage fraud detection processes to reduce losses without deterring good customers. Consistently analyze fraud and authorization rates to determine if AI-enabled tools require adjustments.
- Consolidate payment vendors, where feasible, to reduce costs. For many merchants, this may mean consolidating the front-end customer experience, and the settlement and reconciliation processes, while maintaining a wide assortment of vendors supporting the back end. Most payment pricing is volume-based, so it makes financial sense to send as many transactions (and, therefore, as much money) through as few vendors as practical. Consolidation may be achieved in many ways, such as across:
- Channels — combining POS, mobile, online and other channels through a single vendor to support an optimized omnichannel experience
- Geographies — as more payment vendors expand their global footprints, greater opportunity exists to bring diverse countries and regions under a single provider
- Payment methods — as more payment vendors support all the popular and relevant payment methods for the geographies in which they compete
- Functionality — as payment vendors expand their product suites to include adjacent technologies, such as fraud detection, point-to-point encryption, invoicing and credit card surcharging
- Evaluate your vendor’s plans for supporting and protecting AI agent payments to determine how you want to leverage them in your ecosystem. Setting up AI agent payments is complex so vendor evaluation will require analysis and alignment to the business’ agentic commerce strategy.
Acronym Key and Glossary Terms
| Term | Definition |
| 3D Secure | Payment authentication process defined and certified by EMVCo Terms of Use. 3D Secure is mandatory in some markets. |
| Bundled pricing | Generally presented as a percentage of the transaction value, plus a flat fee per transaction, this type of pricing is fairly ubiquitous for small and midsize merchants. This model benefits the organization in its predictability, and may require less payment expertise in the back office to manage the accounting and budget reconciliation for fees. |
| Pass-through pricing | This pricing model provides the highest level of transparency, but also requires the most back-office payment expertise to be managed effectively. In this model, the actual interchange fees charged by the issuing bank (or other account guardian) and the card association (or other network) are passed through without markup. The PSP, gateway or acquirer that owns the relationship with the merchant applies its own fees discretely — most often a flat fee per transaction. It is also referred to as Interchange+ or Interchange++. |
| Level 2 and Level 3 data | Additional data elements that can be submitted to the card networks to support B2B transactions and that may result in lower interchange rates. Level 3 data is mandatory for agentic commerce. |
| Merchant of record | A card brand classification that allows a merchant to share its credentials with other “submerchants” and:Uses its name to identify the merchant outletRepresents itself as selling the goods and services to the cardholderProvides recourse in the event of disputesMaintains liability for processing fees, chargebacks and legal compliance with card association rules |
| Payments as a packaged service (PaaPS) | A service that enables nonpayment B2B businesses to offer payment processing to their merchant customers, or submerchants, which enables them to accept payments from their end-buyer customers. Also known as marketplace payment offerings, PaaPS products include three key components above and beyond normal merchant payment processing:Automated onboarding of submerchants via APIsAutomated funds distribution to submerchants, without requiring the merchant to handle any fundsDetailed reporting to support all of the above for both the platform or marketplace and the submerchants |
| Payment Facilitator (PayFac) | A service that allows multiple smaller merchants to process payments under its own master merchant account. PayFac is a type of PaaPS. It provides faster onboarding of merchants as submerchants under PayFac’s master merchant account. |
| Payouts | Support for merchant-initiated transaction processing for any stand-alone funds being sent out to a recipient via push to debit card, bank account or wallet. Payouts in this context specifically exclude refunds of prior purchase transactions. |
| Point-to-point encryption (P2PE) | A highly secure standard for physical POS transactions that may reduce merchant Payment Card Industry Data Security Standard (PCI DSS) validation efforts, if the solution has been certified by the PCI council. To be recognized for P2PE in this research, the solution must appear here in PCI Point-to-Point Encryption (P2PE) Solution, PCI Security Standards Council (PCI SSC). |
| Secure interactive voice response (IVR) call center | Indicates a payment vendor’s integration into an IVR or other call center solution. This is most often via a third party, in a manner (e.g., dual-tone multifrequency [DTMF] masking or voice masking) that insulates a merchant from handling payment data that would invoke additional PCI-DSS compliance considerations. |
| Seller of record | A merchant of record that is recognized as a selling entity, not only by the card brands, but also by local legal and tax authorities. A seller of record bears the tax and legal liability for the merchant site. |
| Strong consumer authentication (SCA) | Europe’s PSD2 regulation mandates that SCA consists of authenticating a customer during an online payment transaction using two out of the three traditional stalwarts of authentication (something you know, something you have, something you are). Most merchants and digital commerce payment vendors employ 3D Secure, in accordance with the EMVCo standard, to meet SCA requirements. |
1 eCommerce - Worldwide, Statista.
4 Why a Visa-Mastercard legal settlement could lead to your rewards credit card getting declined, ABCNews.
5 Is Congress Going to Kill Credit Card Rewards?, Nerdwallet.
6 Electronic and cash payments, Your Europe.
7 Stablecoin surge: Here’s why reserve-backed cryptocurrencies are on the rise, World Economic Forum
8 Grow your business globally with crypto, Stripe.
10 Visa’s role in stablecoins, Visa.
11 Trusted Agent Protocol, Visa.
12 Scaling agentic commerce with trust, Mastercard.
13 Powering AI commerce with the new Agent Payments Protocol (AP2), Google Cloud.
14 Introducing ChatGPT Pulse, OpenAI.
17 Shop like a Pro: Perplexity’s new AI-powered shopping assistant, Perplexity.
19 EMV® Secure Remote Commerce, EMVCo.
21Verified Stripe Statistics for 2025 (Updated), Chargeflow
Note 1: Gartner’s Initial Market Coverage
This Market Guide provides Gartner’s initial coverage of the market and focuses on the market definition, rationale for the market and market dynamics.
Note 2: Representative Vendor Selection
Where applicable, the payment gateway and its related payment processing and acquiring services must be available for use by merchants as a stand-alone product. It should be separate and distinct from any fraud, commerce, subscription, billing or other platform that may sit in front of it. All vendors included in this Market Guide adhere to the following criteria:
- Provide a SaaS, API-based commerce payment gateway using their own IP that supports real-time authorization of major debit and credit cards.
- The payment gateway and its related payment processing and acquiring services, where applicable, must be available for use by enterprise merchants as a stand-alone product. It must be separate and distinct from any fraud, commerce, subscription, billing or other platform that may sit in front of it.
- Support real-time or batch settlement (deposits) of major credit and debit cards.
- Provide local acceptance for enterprise merchants in multiple countries in at least two major regions — APAC, EU, EMEA, North America or LATAM.
- Support alternative payment methods, such as digital wallets, in these same regions.
- Support local payment methods, such as bank transfers, direct debits and local card schemes, in these same regions.
- Support hosted payment pages or payment data fields and provide tokenization, so as to reduce the merchant’s PCI-compliance footprint.
- Sell and market the solution directly to digital commerce merchants, but may also white-label their solution to banks and fintechs.