Low Cost & Full Featured Internet Payment Gateway
The CyoGate Payment Gateway offers one of the quickest and most cost effective ways to accept and process credit card and electronic check payments online. Our Internet payment gateway works with most existing merchant accounts and supports hundreds of popular web shopping carts and eCommerce platforms. The CyoGate Gateway even comes with its own built-in free ecommerce shopping cart!
CyoGate's Internet Payment Gateway also supports mobile credit card processing and there are no additional fees for processing mobile credit card transactions through CyoGate, but standard gateway fees do apply. If you don't require the full function of CyoGate's Internet Payment Gateway and virtual terminal, and only wish to process mobile payments and refunds, reduced rates are available for a CyoGate Mobile Payment Gateway account.
In addition to our mobile merchant solutions, CyoGate provides free SwIPeTM software that can turn a Windows PC or laptop into a credit card "swipe" terminal simply by adding an inexpensive USB Card Reader.
CyoGate also has a Gateway Emulator that mirrors the format of other popular gateways so migrating from another gateway provider can be done as easily as changing a single word in a single line of code!
The CyoGate gateway also supports 3D Secure authentication (Verified by Visa / Mastercard SecureCode), a Customer Vault for tokenized card storage, and intelligent load balancing across multiple processors. Other features of the CyoGate Internet Payment Gateway include:
- no application fee
- virtual terminal
- no setup fee
- api integration
- no annual fee
- batch upload
- no equipment costs
- recurring billing support
- free shopping cart
- QuickBooks integration
- Multi MID Support
- Load Balancing
Want to know more? See our Payment Gateway Feature Comparison and find out why CyoGate beats the competition hands down!
Payment Gateway Features — In Detail
Virtual Terminal
A full-featured browser-based terminal for manually processing credit card sales, refunds, voids, and authorize/capture transactions. No software to install — works from any device with a browser. Includes batch upload for processing multiple transactions at once.
Recurring Billing & Subscriptions
Automate subscription charges, installment plans, and any repeating billing cycle. Set flexible start dates, billing frequencies, and retry logic for failed payments. Customer card data is stored in the Customer Vault — your systems never touch raw card numbers.
Customer Vault
Tokenized card storage in a Level 1 PCI-certified data facility. Once a card is vaulted, you can charge it on demand without ever re-entering card details — ideal for one-click checkout, recurring billing, and phone orders from returning customers.
eCheck / ACH Processing
Accept electronic checks alongside credit cards through the same gateway account. eCheck transactions carry lower fees than card transactions, making them ideal for high-ticket or high-volume B2B merchants.
Load Balancing & Transaction Routing
Automatically distribute transaction volume across multiple Merchant IDs to manage volume thresholds, maintain processing redundancy, and route different transaction types to different processors. Essential for high-volume and high risk merchants.
3D Secure Authentication
Add Verified by Visa / Mastercard SecureCode authentication to eligible transactions. When 3DS authenticates a transaction, fraud liability shifts from you to the card issuer — significantly reducing your exposure to fraudulent chargebacks.
Electronic Invoicing
Generate and email PDF invoices with a built-in pay-now link. Customers click to pay by credit card — no login required. Payments post directly to your merchant account. No separate invoicing software needed.
QuickBooks Integration
CyoGate SyncPay processes transactions directly inside QuickBooks Pro, Premier, and Enterprise (2007+), eliminating the double-entry problem. Invoices are marked paid, receipts are generated, and batch reports are available — all without leaving QuickBooks.