The Credit Card Gateway for organisations who don’t use Credit Card so much.


  • Small organisation takes credit card transactions using a manual process.
  • Many of these transactions are Diners and Amex.
  • Paypal Website Payments Standard only takes Visa and Mastercard.


  • Get a Internet Merchant Account with bank, a gateway provider and process as required.  Cons: Expensive, Two suppliers, two sets of fees before getting your cut.  Pros: Fast, Instant, Dont have to hold onto cc details.  Can take Amex and Diners.
  • Find a much cheaper MOTO (Mail order Telephone order) or CNP (card not present) merchant account solution with a bank and either:
    • get an SSL cert, allow people to provide details online, but process them manually.
    • Use a slightly more expensive man in the middle to do the same thing (securely get your cc details via a nice nice api).  Still cheaper than a Internet Merchant account, no per transaction fee or cut.
    • Pros: Validate transactions before you process.  Cheaper, esp to take Amex and Diners.  Cons: Still have to automate.
  • Find an alternate gateway/merchant/secure page supplier that takes Amex and Diners.  This page provides a comparison on some services but it is a little dated.

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