What’s the Difference Between a Merchant Account vs. Payment Gateway?

A payment gateway allows merchants to process credit and debit transactions online and through integrated software/POS systems. Since merchants are prohibited from sending a customer’s payment information directly to a payment processor, the payment gateway acts as the go-between, ensuring customer data is encrypted and secure.

Once customers submit their payment, the payment goes through the payment gateway, then to the payment processor, then through the credit card network and finally to the customer’s credit card issuer for authorization. If the transaction is approved, the funds will be transferred from the customer’s credit card to the merchant’s account.

Updating existing Authorize.net Gateway

1.     Polaris will set up your new Merchant Account.

2.     Call Authorize.net at 877-447-3938 (your Payment Processing Advisor can either be on-site or on a conference call) and ask to update your processor.

3.     Reference the new Merchant ID number or VAR sheet provided to you by your Processing Advisor (at Polaris). 

Opening a new Authorize.net Gateway

1.     Polaris will set up your new Merchant Account.

2.     Polaris will set up your new Authorize.net Gateway.

3.     Authorize.net will send Welcome Email to the email address on file.

4.     Follow the instructions in the welcome email. A security PIN code will be sent to the email on file.

5.     Once logged into Authorize.net, find the API Login ID and Transaction Key (instructions here).

6.     Input the API Login ID and Transaction Key into your software or POS system.

7.     Turn the Authorize.net gateway from Test Mode to Live Mode.

8.     Run a test transaction.

9.     Check reports to confirm test transaction complete (instructions here).

 

Authorize.net Tech Support - 877-447-3938

Please feel free to contact our team for assistance.