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Payments 101


If you are new to payments, or just want to understand what you need to process payments online, you are in the right place.


First you need a gateway
  • First you need a gateway
  • And a merchant account
  • A way to accept payments
  • Then pick the card types
  • Most importantly security

A payment gateway is the technology layer that links your customer’s financial institution to yours when processing a payment. Every payment made goes through a gateway. Bambora’s gateway is bank agnostic allowing it to plug into virtually any acquiring banks within North America.

I already have one

No matter which financial institution holds your account, you will be able to seamlessly connect to Bambora’s bank agnostic gateway with a gateway only account.

I need one

Bambora’s merchant accounts are transparent, with no locked contracts, flexible settlement, and simple pricing.


Are you building a custom solution? Our RESTful APIs and SDKs can power your website or software to accept payments.


Checkout is our hosted payment form. With just a few minutes and a single link, you can add Checkout to your website; no developer required.

Virtual Terminal

Created for merchants who process orders over the phone or through mail-in-orders. Bambora’s Virtual Terminal is a simple and secure online interface.

Learn more

Which card types matter most to your business?


All companies that process, store or transmit credit card information must maintain a secure environment. This includes all merchants, vendors, or software providers who handle credit card information. Bambora is PCI Level-1 (the highest level) certified service provider. Before you start processing credit card transactions online, you will have to complete a PCI DSS self-assessment questionnaire.


With Bambora’s Tokenization, you can send any piece of sensitive information to Bambora where it is encrypted and stored on our PCI-certified servers. Bambora then returns a token back that represents the customer’s sensitive information. Simply utilize the unique token whenever your customer makes a repeat purchase.

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