Merchant Account (Credit Card) Processing


Merchant Account vs. Payment Gateway

Important Note: The CivicRec Technical Support Team will assess and troubleshoot errors that occur between CivicRec and the Payment Gateway. However, the CivicRec Technical Support Team is unauthorized to assist with configuration, general support, or troubleshooting of the Payment Gateway nor Merchant Account. These entities will strictly work with the account holder only and will not remediate issues with CivicRec directly.


The difference between a Merchant Processor and a Payment Gateway can sometimes be challenging to understand. A merchant account and a payment gateway are required if you want to process credit or debit card transactions through your CivicRec software.

Note: You can view our Payment Gateway Feature Chart for feature comparisons.

Merchant Account

A Merchant Account, provided by a merchant processor, is a type of bank account which allows merchants to accept credit or debit card payments online and processes funds at the bank level.

Note: The merchant is responsible for establishing credit and debit card transaction fees (Example: 3% + .30 per transaction).

Payment Gateway

A Payment Gateway is the connection that allows CivicRec to route transactions to the Merchant Processor.

Note: Typically, the payment gateway assesses a nominal fee (Example: 5 cents per transaction) which is in addition to the fees incurred from the merchant account.


While there is flexibility in which Merchant Account you may choose to utilize, CivicRec is compatible with the following 6 gateways:

  • CivicPayment
  • OpenEdge
  • Converge
  • PayPal
  • ETS

Visual Example

In the visual example below, the Payment Gateway would be CivicPayment,, or another compatible gateway; the Merchant Account would be US Bank, Wells Fargo, or another merchant of your choice.



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