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Secure Payment Gateway

What is it?

A payment gateway acts as an intermediary between your website and all the banking systems. This is a seamless process and your customer does not interact with the gateway. The credit card and customer details are submitted via the gateway, which securely sends the information through the relevant financial networks to the merchant account, encrypting sensitive data, such as card holder information and credit card numbers.

How does it work?

To accept credit and debit cards online through your website (or virtual terminal) you need both a secure payment gateway and a merchant account.

  • Customer places order on your website and pays by debit or credit card

  • Payment details sent to merchant account via secure payment gateway

  • Merchant account processes payment

  • Once the payment is approved the information is sent back via payment gateway.

  • Customer notified that payment has been successful (or not)

  • Funds settled into your back account (once a week)

Please note that to take payments online you will also need a merchant account.

How it works diagram
Once payment has been taken both you and the customer receive an email detailing the transaction

Why no credit card transaction rates applicable?

Because a gateway only sends card information securely and does not process payments, no merchant account fees (transaction rates) are applicable. This is left to the merchant account provider. This works in the same way that a merchant account does not have payment gateway fees as this is left to the gateway provider.

Please note that with our combined solutions we provide both the merchant account and the gateway, therefore both these costs are applicable.

I'd like to go head. What next?

By choosing to take advantage of the Web-Merchant service, any would-be merchant will save on charges, have a considerably simpler application process than that offered by the High Street acquiring banks, and have made available to them added value services specially developed by Web-Merchant.

Because we are an independent provider, we make the task of accepting cards in your business a simple and straight forward process.

We supply both the internet merchant account and the secure payment gateway as part of our online payment solution.


Accept telephone payments
Accept phone payments with our virtual terminal
As part of all our payment solutions we provide a FREE virtual terminal to enable you to process phone payments 

learn more >>>

View our account packages
View our account packages
With so many ways to accept online payments, whatever your business needs we have the solution that's right!

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Need a card terminal?
Need a card terminal?
Our credit card terminals, EPoS and merchant account bundles are ideal for SME's - Saving couldn't be simpler!

Anti-Fraud Solutions
Anti-Fraud Solutions
Security and fraud are the biggest and most significant concerns for both the shopper and the retailer 

Free shopping cart plug-ins
Free shopping cart plug-ins
Our payment gateways are supported by most shopping carts. We also provide full technical integration support 


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Our Merchant Account verifies credit card and customer information. This includes checking to see if the details supplied are correct and if the card has been reported stolen, or has enough funds - learn more >>>


Get started today ...
Simply choose and click on your business from the drop down menu and we will redirect you to the account we can provide

Thawte Security
Data Protection Act 1998: Reg No. Z3544745
Anti-Money Laundering Registration No.12709698
PCI DSS Certified





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What is a Merchant Account?
What is a Payment Gateway?

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Low - Medium Risk Online Payments
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Web-Merchant Services Limited © 1997 - 2021 | Company Registration No. 03919014

Fully compliant with the Payment Card Industry Data Security Standard (PCI DSS). NCA Approved. Anti-Money Laundering No.12709698. GDPR Registration No. Z3544745
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