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45+ banking relationships
Payment Gateway & Platform

The Layer Between Your Checkout and the Networks.

The gateway is where a payment is encrypted, tokenized, screened, routed and recorded. It is the part of the system you never notice working — and the part you notice immediately when it is not.

  • Hosted checkout
  • Payment links
  • Virtual terminal
  • Tokenized storage
  • Recurring billing
  • Reporting
Routing Live routing
  • Checkout Your site and pages
  • Terminal In-store connectivity
  • Virtual terminal Keyed by your staff
  • Integration Cart and systems
Highline Gateway
  • Tokenize
  • Screen
  • Route
Processing Sent to authorize
Reporting Recorded & tagged

Illustrative diagram of the transaction path. Which environments are enabled on an account is decided during setup.

Transaction routing

What the gateway does with a payment.

Six stages, and only the first one involves anybody in your business. Everything after it happens on its own, the same way, whichever front door the payment arrived through.

  1. Capture

    The payment is entered — tapped at a terminal, typed into a checkout, keyed into the virtual terminal, or posted by an integration.

  2. Encryption

    Card data is encrypted at the point of entry, so the sensitive part is protected before it reaches any system of yours.

  3. Tokenization

    The card is replaced with a token that is useless anywhere else. That token, not the card number, is what gets stored for refunds, repeats and recurring billing.

  4. Screening

    Your risk settings are applied — address and security-code checks, velocity limits, duplicate detection — before anything is sent for authorization.

  5. Routing

    The transaction is sent onward for authorization on the path configured for your account, and the answer returns to wherever it started.

  6. Recording

    Approved or declined, it lands in reporting immediately, tagged so it can be found, refunded, reconciled and exported.

The gateway is the routing and record-keeping layer, not the bank. Authorization is the issuing bank’s decision, and settlement runs on your funding schedule. What this layer is responsible for is that every transaction is captured, protected, screened and recorded consistently, whichever way it arrived.

Environments

One platform, several front doors.

Most businesses need more than one way to take a payment, and each one is a different front door onto the same gateway. Adding another later is a configuration change rather than a second relationship — and all of it keeps reporting in one place.

Sell online without handling card data.

A hosted checkout collects the card on the gateway’s side rather than yours. Your site hands over the order and receives the result, which keeps card data — and a large part of the compliance burden that comes with it — off your own systems entirely.

  • Typical setupA hosted payment page styled to match your site
  • Also handlesStored cards for returning customers, and refunds from the same dashboard
  • Worth knowingBecause the card never reaches your server, your compliance scope is far smaller than with a self-hosted form
Two different things

A gateway is not a merchant account.

They are quoted together, set up together, and do completely different jobs. You need both, and one without the other does nothing — a gateway with no merchant account has nowhere to send a transaction, and a merchant account with no gateway has no way for an online or keyed payment to reach it.

The payment gateway is technology
It takes the card wherever it is entered, encrypts it, replaces the number with a token, applies your screening rules, sends it for authorization and records what came back.
The merchant account is the arrangement
The commercial relationship that lets card transactions be processed and settled to your bank. Pricing, underwriting, funding schedule and dispute liability live here.
Buying them separately is where it goes wrong
Two contracts from two companies who do not speak to each other is how a business ends up with two support numbers for one payment.
In store, the terminal often is the gateway
Which is why a purely card-present business may never be quoted for one separately, and why it matters the moment you start selling online.
Getting connected

From account to first live transaction.

Connection is a short project with a predictable shape. Knowing the shape is most of what keeps it short.

Most delays here are not technical. They come from discovering late that a cart plugin does not cover a particular flow, that nobody agreed who would test the refund path, or that the descriptor customers will see on their statement was never decided. Working through the order below avoids all three.

What can be enabled, and how it connects, depends on your systems and on the outcome of underwriting.

  1. Map the environments Decide which front doors you actually need — checkout, links, virtual terminal, in-store, recurring — and which can wait until later.
  2. Connect and configure The account is connected to your site or system, screening rules and user access are set, and the billing descriptor your customers will see is agreed.
  3. Test the whole path Run a payment, a refund and a recurring charge end to end, and confirm each one lands correctly in reporting before you announce anything.
  4. Hand over reporting Agree who reconciles, who answers disputes and who has access to what — before the volume arrives rather than after it.
Why Highline

The part you only notice when it is missing.

The difference

One platform under every way you get paid.

A separate gateway, bolted to a separate merchant account, bolted to a separate terminal fleet is how a business ends up reconciling three reports and calling three support lines about one payment. One platform underneath all of it means one record of what happened.

  • Tokenized card storage Stored cards become tokens, so charging a customer again never requires you to hold a card number.
  • Screening before authorization Address and security-code checks, velocity limits and duplicate detection applied on the way through rather than afterwards.
  • One place to look Every channel reports through the same account — searchable and exportable — so reconciliation is one job instead of three.
  • Connects to what you run Cart plugins and direct integrations, scoped against the systems you already have rather than a rebuild around ours.
  • Support that can see the transaction A question about one payment is answered by someone who can open it, not by a form that promises a reply.
Questions

The gateway, answered plainly.

If the question is about connecting a specific system, the useful answer comes from someone who can look at it with you.

Talk to Sales
What is the difference between a gateway and a merchant account?

The gateway is the technology that captures, protects, screens and routes a transaction. The merchant account is the banking relationship that lets the money settle to you. You need both, and they are often sold separately by different companies — which is how a business ends up with two contracts, two support lines and two reports covering one payment.

Do I need a website to use it?

No. A payment link or the virtual terminal will take a card with no website at all, which is how many service and phone-order businesses run. A website simply adds another front door onto the same platform.

Can it connect to the systems I already use?

Usually — and the honest answer depends on the system. Common shopping carts connect through a plugin; bespoke and industry-specific software connects through a direct integration. What that takes is scoped against your actual platform before anything is committed, which is why you will not find an integration list presented as a promise on this page.

Where is card data stored?

Not with you, when the setup is right. Cards entered through a hosted checkout, or tokenized for repeat billing, are held as tokens — and a token is worthless outside your own account. That is what keeps card numbers off your systems and keeps your compliance scope small.

What reporting do I get?

Every transaction from every channel in one place: searchable, filterable and exportable, with refunds, batches and disputes attached to the transactions they belong to. The point of it is that in-store, online and recurring activity form one report rather than three.

Can I keep my current terminals?

Often, yes. It depends on the make and model and on whether the equipment is locked to your current processor. That gets checked before any change is recommended — replacing hardware that already works is the last option, not the first.

Can I take payments over the phone?

Yes — that is what the virtual terminal is for. Your staff key the card into a browser instead of the customer entering it themselves, which suits phone bookings, deposits and back-office payments. Worth knowing before you rely on it: keyed transactions carry more risk than card-present ones, so they are priced differently and address and security-code checks are normally required.

What is the difference between voiding and refunding?

Timing, and it matters. A payment that has been authorized but has not yet settled can be voided — the transaction simply never completes, and the hold drops off the customer's account. Once it has settled you can no longer void it; you refund it, which sends the money back as a separate movement. Same outcome for the customer, different record, and the cut-off is settlement.

Get started with Highline

See the platform behind the payment.

Accept it. Route it. See it.

  • One platform under every channel
  • Card data tokenized, not held by you
  • One report for in-store, online and recurring