How Payment Gateways Route Transactions

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Payment gateways are the digital bridge between merchants, acquirers, and card networks. When a customer makes a card payment online, the gateway securely collects card data, encrypts it, and routes the transaction for authorization. It connects the merchant’s website or POS system to the acquiring bank and card networks, ensuring that sensitive data is transmitted securely.

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Gateways also handle risk screening, fraud checks, and compliance verification. After authorization, the gateway facilitates settlement, sending transaction data to the acquirer for deposit into the merchant account. Gateways can also manage multi-currency transactions, recurring payments, and tokenization for added security.

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Monavate integrates seamlessly with payment gateways, allowing businesses to manage both card issuance and acceptance from one platform. This integration enables real-time monitoring, fraud prevention, and reporting while maintaining compliance with global security standards. By connecting gateways to Monavate’s ecosystem, merchants gain greater visibility, control, and efficiency in routing transactions.

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