In the vast realm of online payment solutions, has managed to carve out a significant niche for itself. Founded in 1996, the company has experienced the evolution of online payment methods firsthand and has been a major player in shaping the industry as we know it today. This review delves deep into the workings, features, pros, and cons of to provide a comprehensive overview of the platform.

Brief Overview: provides payment gateway services that allow merchants to accept credit card and electronic check payments online. A part of Visa since 2010, it is one of the most mature and reliable solutions in the market, serving more than 430,000 merchants.

Features of

  1. Secure Transactions: employs advanced fraud detection and multiple security protocols, ensuring that every transaction remains safe from potential threats.
  2. Payment Types: Along with the standard credit and debit card payments, the platform supports PayPal, Apple Pay, and electronic checks.
  3. Virtual Terminal: For businesses that take orders over the phone or via mail, the virtual terminal allows for manual payment entry.
  4. Mobile Payments: With a dedicated mobile app, merchants can accept payments on the go.
  5. Recurring Billing: provides tools to manage subscriptions or scheduled payments efficiently.
  6. Simple Checkout: A straightforward and customizable checkout experience ensures that customers can make payments without unnecessary complications.

Pros of Using

  1. Robust Security: With features like Advanced Fraud Detection Suite (AFDS) and the inclusion of the Payment Card Industry Data Security Standard (PCI DSS) compliance, guarantees top-tier transaction safety.
  2. Extensive Integration: Being in the industry for a long time means that easily integrates with a plethora of shopping carts, CRM systems, and other software platforms.
  3. Transparent Pricing: Their fee structure is upfront, with no hidden costs. Merchants can choose between a gateway-only pricing model or a combination of gateway and merchant account.
  4. Customer Support: boasts a responsive customer support system, offering 24/7 phone support, live chat, and a comprehensive knowledge base.

Cons of Using

  1. Setup Fee: There’s a one-time setup fee, which might be off-putting for small businesses or startups.
  2. Inactivity Fee: If the account remains inactive for an extended period, the platform may charge an inactivity fee.
  3. International Restrictions: While operates in the U.S., Canada, U.K., Europe, and Australia, its reach isn’t as global as some competitors.

Conclusion: remains one of the most reliable and feature-rich payment gateways in the industry. While it might not be the cheapest option available, the plethora of features, robust security measures, and a solid reputation more than justify the costs associated with it. For businesses, especially those in its operating regions, is undoubtedly worth considering as a trusted payment partner.