Merchant Account (Credit Card) Processing


Merchant Account vs. Payment Gateway


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. 

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.

Merchant Account

A Merchant Account, provided by a merchant processor, is a type of bank account that 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 a 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 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 8 gateways:

  • Braintree
  • Elavon Converge
  • Forte
  • Heartland
  • OpenEdge
  • PayPal Payflow
  • Tempus

 View functionality information on these gateways

Visual Example

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


CivicRec --> Payment Gateway --> Merchant Account

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