Transactions can be tested using one of two methods. First, transactions can be submitted to any merchant account that is in test mode. Keep in mind that if an account is in test mode, all valid credit cards will be approved but no charges will actually be processed.
The Payment Gateway demo account can also be used for testing at any time. Please use the following username and password for testing with this account:
| username: | demo |
| password: | password |
Transaction details should be POST'ed to the following URL:
| POST URL: | https://secure.cyogate.net/api/transact.php |
Transactions can be submitted using the following information:
| Visa: | 4111111111111111 |
| MasterCard: | 5431111111111111 |
| Discover: | 6011601160116611 |
| American Express: | 341111111111111 |
| Credit Card Expiration: | 10/25 |
| account (ACH): | 123123123 |
| routing (ACH): | 123123123 |
Apply for a Merchant Account
Signup for the Payment Gateway
An Internet Merchant Account is sometimes referred to as a "MOTO" (Mail Order & Telephone Order) Account because they all require the ability to process a credit card payment when there is no physical credit card present to be swiped. A standard retail "swipe" merchant account does not allow processing of these "card-not-present" transactions.
If the domestic banks are denying your merchant application because they believe your industry is considered high risk, CyoGate can help! We have an offshore network of merchant processing partners that enable us to provide low cost, high risk merchant solutions to a much wider range of businesses and industries.
The CyoGate Internet Payment Gateway offers one of the quickest and most cost effective ways to accept and process credit card and electronic check payments online. Our payment gateway works with most existing merchant accounts and supports hundreds of popular web shopping carts and eCommerce platforms.