The Truth About Payment Gateways: How to Choose Your Payments Provider

In order to survive in the digital age, businesses across all industries need to not only have a strong online presence, but the ability to properly leverage it by accepting payments online. Regardless of your business type, a payment gateway is necessary to accept digital payments securely.

A payment gateway is a third-party hosted payment software that acts as a conduit between the buyer and the seller. The gateway enables the secure transfer of digital payment information. This includes credit card, debit card, and eCheck (ACH) transactions. Although these transactions seem effortless and immediate on the surface, there are a number of processes working behind the scenes to seamlessly move funds from buyer to seller.

There are plenty of payment gateway providers and services to choose from but finding one best suited for your business needs is critical. Here are a few factors to consider:


Not All Gateways Are Created Equal

As a business owner, it is crucial to choose a payment gateway solution that is secure, scalable, and offers customizable features. There are three main considerations for finding the ideal gateway provider:

  • Cost- A payment provider with knowledge and expertise in your industry will be able to provide a solution that fits your business, resulting in less downtime and eliminating costly IT intervention.
  • Customer Confidence– Acceptance of multiple forms of payment ensures customers are able to pay how they feel is most convenient. A provider focused on security and the latest technology to ensure fraud prevention gives customers confidence.
  • Conversion- A seamless integration with merchant systems ensures a frictionless experience for both merchants and customers, resulting in higher conversion rates and increased revenues.


What Makes Unique (ICG) is a leading payment gateway and merchant services provider that combines powerful ACH and credit card processing in one unified affordable solution. ICG offers customizable APIs to seamlessly integrate with your native software systems, allowing frictionless payment processing. ICG offers merchants multiple options to how they would like to implement the ability to pay within their site, either through a payment portal or iFrame.


Payment Portal- The ICG tech team creates a custom portal that seamlessly integrates with customers’ websites to include the header, footer, and functionality that matches their existing site. There are four levels of customizable options that can be implemented. ICG will review these options in a support call to discuss the scope of customers’ ideas, needs, and budget.


  1. Generic Payment Portal- limited in design and functionality
  2. Level 1- designed to look like merchant’s website; up to 3 custom fields
  3. Level 2- customer can register and login to the portal; info stored for future use
  4. Level 3- data-driven; provides a customer with balance due amounts, payment history, etc.


iFrame- The merchant has their tech team developing and creating the custom fields for their customer login information. Just like the payment portal, the merchant still has fraud protection, keeping them out of PCI scope and preventing the need to hold any credit card or bank account information on their database servers. The iFrame window will embed only the fields that display the credit card or bank account information, passing this sensitive data through ICG’s secure servers, not the merchants’ servers. They have two options for this service:


  1. Generate a token only- used when the merchant only wants to input the data for future payments. No payment would process at the time of the tokenization.
  2. Generate a token and process a payment when the token is approved– used when merchants want to run payments immediately or set up payments in the future.


ICG also offers robust reporting and analytics to easily view important data such as account standings or automatically post payments to their back-office system. With, transactions are processed through our secure gateway, so your customers have a seamless user experience, and you stay out of PCI scope. Settlements are fast and secure, so you receive your funds quickly after a transaction takes place.


Omnichannel Solutions for an Evolving Economy offers merchants an omnichannel approach to payments with customizable, technology-driven solutions. This provides clients and customers with a variety of convenient payment options; giving them the freedom to choose how to pay and ensuring that sales are not lost. Discover the possibilities ICG has to offer:


The Payment Gateway Solution for Any Industry

Known for being user-friendly, functionally dependable, and customizable,’s innovative payment technologies service a broad spectrum of industries that range from utilities and healthcare, payroll, to financing, and non-profit charities. With simple solutions to the complexities of payment processing, ICG offers the latest technology to help simplify payment management and grow your business including:

Check Verification Services- Real-time access to both positive and negative account information to mitigate potential fraud and reduce the likelihood of unpaid or returned items. ICG offers five unique ACH check verification technologies available as one full suite or individually to meet your business needs.

Quickbooks Plugin- Import payments from the gateway into Quickbooks, using the Quickbooks plugin to apply them to invoices and process payments directly within Quickbooks for seamless payment management.

Virtual Terminal- All your transactions and reporting history can be accessed in one place via the online terminal regardless of how they were received.


Contact us to speak with someone about your specific payment processing needs and the solutions we have to offer you!’s innovative solutions help you accelerate payments simply, securely, and reliably.

We help businesses accept and process payments with our suite of next-gen customizable fintech solutions. Our automated technologies help you carry out ACH and credit card transactions on a single easy-to-use platform.