Your full guide to payment gateway

Aman Saxena

“One of the biggest hurdles businesses will face is that requires that the business exist in the US, UK, Europe or Australia. It is not available for businesses in India to use domestically. However, if your business is in any of the 4 areas, you can accept payments from customers in India with qualifying payment methods.” is a Visa supported online payment gateway that allows online businesses to accept payments. Read on to learn more about how works.

📝 Table of contents payment gateway pricing and fees has 2 options for packages:

  1. All in One option
  2. Payment Gateway only

The All-in-One option is for when you don’t have an existing merchant account with a merchant service provider. The merchant account is a specific bank account or financial institution that is used to collect money from customer transactions.

In this package, will help set you up for a merchant account and the payment gateway. This is best for newly started businesses or those new to the home country.

The Payment Gateway option is available if you already have an existing merchant account. A payment gateway allows for customers to make payments online with cards or modern ways of payments. You can check the list of preferred resellers and merchants that work alongside

Here is how the two packages compare:

Fees All in One Payment Gateway Only
Setup Fee $0 $0
Monthly gateway fee $25 $25
Per transaction fee 2.9% + 30¢ 10¢ + daily batch fee 10¢

Both packages include services like:

  • Advanced Fraud Detection Suite (AFDS)
  • Customer Information Manager (CIM)
  • Recurring payments
  • Invoicing
  • Simple checkouts

One benefit of is that you will not need to sign a contract to use the service or be fined for early termination.

One of the biggest hurdles businesses will face is that requires that the business exist in the US, UK, Europe or Australia. It is not available for businesses in India to use domestically. However, if your business is in any of the 4 areas, you can accept payments from customers in India with qualifying payment methods.

Is payment gateway safe? is a safe payment gateway that is supported by Visa. It has advanced fraud protection and has been awarded for high authorization rates and API integration.

Over 430,000 merchants trust and use And over $1 billion dollars in transactions and $149 billion dollars in payments are done every year.

Payment options supported with supports all the following payment options:

  • Visa
  • Mastercard
  • American Express
  • PayPal
  • Discover
  • JCB
  • Apple Pay
  • eCheck also offers easy to use methods like Visa Click-to-Pay and Apple Pay for Safari to make purchases quicker. international payments merchants can accept payments from anywhere in the world. But to qualify to be an merchant, you must be based in the UK, Europe, the US or Australia and have a bank account locally.

Any domestic Indian payment methods are not available with But Indian customers can pay into your US, Europe or Australian account if they have a credit or debit card that is activated for international transactions.

One thing to keep in mind is that these credit card companies also set their own exchange rates. Which means that the exchange rate for the price of the product or service is typically weaker than the real mid-market exchange rate. And in that difference with the mid-market rate, the credit card companies are able to take a small fee. So the purchase can end up being more expensive than the price seen online.

The charge for the international transaction will be the same as a normal transaction. And depends on the type of account you have signed up for with

All-in-One option Only the Payment Gateway
2.9% + 30¢ per transaction 10¢ per transaction and daily batch fee 10¢

PayPal can be another option for your international customers to make payments into your own PayPal account. However, with numerous fees and a weak exchange rate, PayPal can be an expensive option for you and your customers.

Read more: Full guide to PayPal Payment Gateway

Let Wise take care of your international payments

Wise offers Indian businesses and freelancers with account details in 8 different currencies to receive payments from abroad. You can use these account details to receive payments from abroad. Your international clients pay you with a local transfer in their currency, and you receive rupees in your INR bank account — with eFIRC for every transfer.

Get started with a Wise Business Account 🚀 and save with a low-cost transfer fee and mid-market exchange rate - which is the same as the one you see on Google. settlement time has an automatic batch settlement time of 24 hours. But it can take a total of 3-4 business days, depending on your merchant provider to see it in your account.

A settlement is when a transaction has gone through and the money from the customer’s purchase has been deposited in your account. A batch will combine multiple transactions that occur during the specified period
and release them together. The cutoff time for that day’s settlement is 4pm PST.

You can view your settlement transactions and history from the merchant interface, or dashboard. customer care has a dedicated support page to troubleshoot a problem or to learn more about how the gateway works.

You can access merchant help by signing into your account on the merchant portal. From the dashboard you can submit an online support query or through the online chat.

Customer care can also be accessed by giving a call at 1-877-447-3938 in the US. If you are in the UK or Europe, you can call +44 (0) 203 564 4844. While Australians can call +61 1800 019 932.

Sources used for this article:

  1. pricing
  2. safety
  3. Payment methods
  4. International payments
  5. International pricing
  6. Settlement time
  7. Customer care

All sources checked as of 19 October, 2021

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.

Money without borders

Find out more

Tips, news and updates for your location