Payments 101: Your path to payments

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

To Accept Payments Online You First Need a Gateway

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. Beanstream’s gateway is bank neutral allowing it to plug into virtually any acquiring banks within North America.

You Will Also Need A Merchant Account

I Already Have One

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

I need One!

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

4 Ways You Could Accept Payments

Shopping Cart

Need a shopping cart? Beanstream integrates with over 50 of the leading shopping carts, ensuring a seamless connection.


Beanstream’s PayForm allow you to add a payment form to your website. With a few lines of code you can add a customizable, responsive, future-proof payment form to any website.

Virtual Terminal

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

Mobile Point of Sale

With Beanstream Mobile swipers and sproutPOS, merchants of every size can accept all kinds of payments anywhere their business takes them.

With Beanstream You Can Accept

American Express
VISA Checkout

Staying Safe


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