Payments 101

If you are new to payments, or just want to understand what you need to process payments online, you are in the right place.

2 min.

mean holding a mobile phone

What you need

1. First, you need a gateway

payment gateway is the technology layer that links your customer’s financial institution to yours when processing a payment. Every payment made goes through a gateway. Worldline’s gateway is bank agnostic allowing it to plug into virtually any acquiring banks within North America.


2. A merchant account

I already have one: No matter which financial institution holds your account; you will be able to seamlessly connect to Worldline’s bank agnostic gateway with a gateway only account.

I need one: Worldline’s merchant accounts are transparent, with no locked contracts, flexible settlement, and simple pricing.


3. A way to accept payments

Are you building a custom solution? Our RESTful APIs and SDKs can power your website or software to accept payments.

Checkout is our hosted payment form. With just a few minutes and a single link, you can add Checkout to your website; no developer required.

Virtual Terminal
Created for merchants who process orders over the phone or through mail-in-orders. Worldline’s Virtual Terminal is a simple and secure online interface.

Learn more about online payments


4. Choose the card types

Which card types matter most to your business?


5. Most importantly, security

All companies that process, store or transmit credit card information must maintain a secure environment. This includes all merchants, vendors, or software providers who handle credit card information. Worldline is PCI Level-1 (the highest level) certified service provider. Before you start processing credit card transactions online, you will have to complete a PCI DSS self-assessment questionnaire.


With Worldline’s Tokenization, you can send any piece of sensitive information to Worldline where it is encrypted and stored on our PCI-certified servers. Worldline then returns a token back that represents the customer’s sensitive information. Simply utilize the unique token whenever your customer makes a repeat purchase.

Learn more about our security solutions