Payment Gateways & e-Commerce
Online payments are now a core channel for merchants and governments alike.
We help banks, payment providers and public entities design gateway propositions that are easy to integrate, secure and profitable.
Common gateway challenges
Gateway propositions, merchant integration models and online acceptance for banks, payment providers and government services, including payment links, collections and 3-D Secure.
Complex integration slows merchant onboarding.
Low approval rates and failed payments cost merchants sales.
Fraud and chargebacks rise as volumes grow.
How we help
We help banks, payment providers and public entities design gateway propositions that are easy to integrate, secure and profitable.
Gateway proposition
Target merchants, features and pricing for an online payments offer.
Integration models
APIs, plugins, hosted pages and payment links for different types of merchant.
Payment methods
Cards, wallets, bank transfers and instant payments in one checkout.
Security and authentication
3-D Secure, tokenisation and fraud controls that protect conversion.
Collections
Online collection services for billers and government entities.
What you receive
Deliverables are tailored to the scope of each engagement.
- Gateway strategy and proposition
- Product and integration roadmap
- Payment methods plan
- Risk and fraud framework
- Pricing and go-to-market plan
Our approach
Every engagement follows a clear path, scoped to what the client needs. Some clients bring us in for a single phase; others ask us to stay through launch.
- 01Diagnose
- 02Design
- 03Mobilise
- 04Launch & scale
Frequently asked questions
What is a payment gateway?
A payment gateway securely captures online payment details and routes them for approval, connecting merchants to card schemes, banks and other payment methods.
What is 3-D Secure?
It is an authentication step that verifies the cardholder during online purchases, which reduces fraud and can shift liability away from the merchant.
What are payment links?
Links a merchant sends by message or email so customers can pay online without a website or app.
Should gateways support wallets and instant payments?
Increasingly, yes. Customers expect to pay with their preferred method, so modern gateways offer cards, wallets and account-to-account payments.
Related practices
Merchant & SME Business Platforms
As payment margins compress, the lasting opportunity lies in owning the merchant relationship.
Explore this practice Layer 1 · PaymentsCard & Payments Ecosystems
Cards remain the backbone of consumer and business payments.
Explore this practice Layer 3 · TransformationDigital Transformation for Government
Governments collect and pay out more money than almost any other institution, yet many services still rely on cash, paper and counters.
Explore this practiceLet's talk about your project
Tell us what you are working on and we will come back with a view on how we can help.
info@mercanera.com