This must usually be performed by emailing or phoning the customer regarding the problem and providing some method for the customer to resubmit the information. The second disadvantage is that you must have some method for accepting, transferring, and storing the customer's credit card information securely until you can enter the information manually using the software terminal. Leading manufacturers of terminal software include IC Verify and Tellan. Most gateways provide a simple means of calling the application server directly from your Web site by using standard HTML forms. Gateways also are incorporated into many online shopping cart applications.
Gateways store the obtained credit card information on the processor's server.
This places the burden of information security and protection on the processor and removes this potential liability from the merchant . Stored transaction data may be accessed and managed by the merchant using a virtual terminal. A virtual terminal is usually included with the processor's gateway service and allows the merchant a means of entering credit card charges and credits by using a standard Web browser. This browser-based interface also allows the merchant to manage other aspects of the account such as reviewing and approving previously collected transactions, running reports, etc. The greatest advantage to a payment gateway is that the credit card information can be collected and stored on the processor's server when the customer completes the sale transaction.