Payment Gateway

Payment Gateway — сервис для процессинга онлайн-платежей, интерфейс между merchant и acquiring bank.

Функциональность

Authorization card transactions. Fraud screening initial. Currency conversion. Tokenization. 3DS orchestration. Recurring billing. Refunds/voids. Reporting. Chargeback management.

Топ провайдеры iGaming

Stripe: general. Adyen: enterprise. Braintree (PayPal). PayPal iGaming-restricted. Emerchantpay: iGaming-friendly. Praxis Cashier. Nuvei. Multiple обычно для redundancy и optimization.

Fees

Setup: $0-1000. Monthly: $0-500. Per transaction: 2-4% + $0.10-0.30. iGaming markup: 0.5-1.5% additional. Chargeback: $15-100. Volume discounts. Contract negotiation critical.

Integration

Hosted checkout: redirect. Direct API: full control (PCI scope wider). SDK для mobile. Testing sandbox. Webhook для events. Idempotency обязательна. Response time <500ms target.