A payment gateway is an e-commerce application that authorizes payments for e-businesses or online retailers. It is the virtual equivalent of the physical point-of-sale terminal located in most retail stores. Typical payment gateways encrypt sensitive information, such as credit card numbers, to ensure that information passes securely between the customer and the merchant.
eChecks, or electronic checks, require transferring bank routing and account numbers not supported by traditional payment gateways. eCheck Processing.com is an industry leader with its proprietary new eCommerce payment gateways.