Payment Gateways
The gateways your platform operator has granted you. Until at least one is live, customers can search, choose and fill in passenger details — and then cannot pay.
| Section | Services & Gateways |
| Panel route | /admin/services/gateways |
| Access needed | Gateway → View list |
This screen used to sit under Payments. It now shares the Services & Gateways section with My Services, and the two appear as tabs at the top of the page when your role can open both. An old link to the former address opens this screen.
Gateways are granted to you. If the list is empty, none has been granted yet — ask your platform operator.
The three sections
The screen splits your gateways by who owns the merchant account behind them. A section with no gateway in it is not shown.
| Dedicated (yours) | Supplier gateways | Shared | |
|---|---|---|---|
| Merchant account | Yours | Your supplier's | The platform's |
| Credentials and fee | You set them | Your supplier sets them | Nothing to fill in |
| Needs your wallet balance | Yes, except for your own products | No | No |
| Money arrives | In your own merchant account | Via your supplier | Via the platform |
Each card carries a badge naming its owner: Your dedicated gateway, Supplier gateway or Shared. A supplier gateway's card says it is managed by your supplier, and that its credentials and fee are set from the supplier panel; a shared one's card says it is managed by the platform. Neither has anything for you to change.
Status on each card
| Badge | Meaning |
|---|---|
| Ready | Nothing left for you to fill in. A dedicated gateway is still offered only while your wallet can cover the payment, see below |
| Credentials required | One of your dedicated gateways cannot take payments until you enter its credentials |
A banner at the top counts how many gateways still need credentials, because that state is easy to miss and costs you every sale that would have used them.
Each card also lists the services that gateway is allowed to take payment for. A card saying no service has been allowed yet cannot take payments at all — that allowance comes from your platform operator, not from you. A card showing All services has no restriction.
Wallet top-up is one of those services. A gateway takes payment for a customer topping up their wallet only when it is on the card — see Wallet Top-up.
What you can do
Only on a card badged Your dedicated gateway:
- Enter credentials on a gateway that has none
- Replace credentials on one that already has them
- Set fee — a percentage plus a fixed amount
When you have a dedicated gateway, the screen also shows your Platform wallet balance, which decides whether dedicated gateways can run.
Entering credentials
- Choose Enter credentials on the gateway card.
- Paste each value from your provider's own dashboard. For some providers the form opens with a note on which values to get.
- Choose Save credentials.
Once saved they are stored securely and never displayed back to you. Replace credentials replaces every value for that gateway, not just the one you want to change — have them all to hand before you start.
The wallet dependency
This is the part that catches people out.
A dedicated gateway is removed from checkout whenever your platform wallet balance cannot cover the payment and its fee. Payments customers have started through your dedicated gateways, and not yet finished, are held against the balance, so less may be available than the number you see. Nothing tells you or the customer why: the option is simply not offered, and if it was the only one, the customer is told that no payment provider is available.
That is why this screen shows your wallet balance. Keep it comfortably above your largest typical booking.
The cover is not only a check. Once a customer's payment through a dedicated gateway is confirmed, the payment amount moves from your platform wallet to that customer's wallet on your store, which pays for the booking; the money itself is already in your own merchant account. The fee moves back to you.
The check uses the balance in the gateway's own currency, the one on its card. A USD gateway draws on the USD balance shown here; an IRR gateway draws on your platform's rial balance, which the panel does not show.
None of this applies to supplier or shared gateways, and it does not apply when a customer pays for one of your own products, below.
Paying for your own products
Some of what you sell is your own product rather than the platform's or your supplier's:
- your tours, when the plan is paid online
- your visa services
- your payment links
- a flight, hotel or activity sold on your own provider account — one badged Your own account in My Services
When a customer pays for one of these on one of your dedicated gateways in the same currency, the payment is taken directly, without going through your platform wallet:
- Whatever the customer has in their wallet on your store is used first, up to the price.
- The rest, plus the gateway fee, is charged on your gateway and lands in your own merchant account.
Your platform wallet does not have to cover these payments, so a dedicated gateway is offered for them even when your balance is short. The order counts as paid only once both parts are in. If the customer's wallet already covers the whole price, nothing is charged on the gateway and the order is paid from the wallet as usual.
On a payment link set to Gateway only, nothing is taken from the wallet: the whole amount is charged on your gateway.
Every order shows afterwards how it was paid — From the wallet and From your gateway — see how an order was paid.
If a booking mixes services sold on your own provider account with shared ones, the customer is told This booking can't be paid in one go, and asked to book them separately and pay for each.
The gateway fee
Each dedicated gateway carries a fee you set with Set fee on its card. Supplier and shared gateways have no fee setting here: a supplier gateway's fee is set by your supplier.
| Field | Accepts |
|---|---|
| Percentage fee (%) | Required. 0 to 100, up to two decimals |
| Fixed fee | Required. An amount in the gateway's own currency, up to two decimals. Enter 0 for none |
The fee is added on top of every payment made through that gateway. The customer pays it, and you keep it. Until you set one, the form shows the platform default, with a note saying so. Once you save a fee it replaces the default for good: saving 0 and 0 charges no fee at all, and the panel has no way back to the platform default.
The card states the fee in force, for example Fee: 2% + 1 USD.
A fee is not a markup. A markup raises the product price for everyone; a gateway fee is a surcharge attached to one payment method.
What customers see
A secure checkout page listing the available providers, carrying your store name, your refund policy, your privacy policy and a support link. Card details are entered on the provider's own page, never on your site.
Each provider in the list states its processing fee, for example +2% + $1 processing fee, and once one is chosen the payment summary shows the fee and the Total to pay. The fixed part is converted from the gateway's currency into the currency the customer is quoted in.
The fee is worked out on the whole charge, fee included, so it comes to slightly more than the bare percentage of the payment: a 2% fee on a 100 USD payment shows as 2.04 USD, for a Total to pay of 102.04 USD. The fee row still names the percentage you set.
If a gateway has been removed since they started, the list refreshes and asks them to pick again. If your wallet stops covering a dedicated gateway after the list has loaded, the payment is refused with This provider can't take this payment, and the list refreshes too. If the gateway they chose is no longer allowed for the service they are paying for, the payment is refused with This provider can't be used for this payment, and the list refreshes as well.
When a direct payment for one of your own products is refused, the customer also sees This provider can't take this payment and is asked to choose another payment provider; the one they picked can no longer be chosen. Nothing has been charged.
Questions
Why does a gateway appear for hotels but not flights? Each gateway is allowed a set of services. The card lists them.
Why can't customers top up their wallet through this gateway? Wallet top-up is not among the services on its card. Your platform operator decides that.
Can I see the credentials I entered? No. Replacing them requires every value, not just one.
Do shared or supplier gateways need a wallet balance? No. Only your dedicated ones, and not for your own products.
Can I change a supplier gateway's fee or credentials? No. Your supplier sets them.
A customer says there is no way to pay. Work down the list in Troubleshooting.
Saving says this gateway is no longer mine to edit. Either it was withdrawn from you, or your role does not include Gateway → Set Credentials (for credentials) or Gateway → Set Fee (for the fee). The panel shows the same message in both cases, and refreshes the list.
Related
- Get paid — the full setup
- How money moves
- My Services — the services granted to you, and your own provider accounts
- Wallet · Wallet Top-up · Incoming Payments · Receipts