A payment gateway is the engine that fuels the communication and transmission of data between the functional components of the payment process. It relays the request for payment (which may come from a shopping cart, a virtual terminal, an in-house accounting system, or even a retail terminal) in the appropriate electronic format to the appropriate entity (a bank, Visa/MasterCard, or processor). Then it relays the response or authorization that sets the funds transfer activity.

Security is paramount before, during and after the payment processing process. To fully ensure security, Cornerstone employs proven technology to transmit data safely and best practices procedures to safeguard consumer data. The Gateway has been certified CISP compliant by VISA, which requires diligent adherence to anti-fraud measures to protect merchants and consumers.

The Cornerstone Virtual Terminal can process both credit card and ACH payments. It works in conjunction with our advanced payment gateway to provide a secure, reliable, and cost-effective system for authorizing and managing payment transactions over the Internet. The Virtual Terminal handles all your processing needs with the added convenience of 24/7 access from any Internet enabled PC. Get one time and recurring payment processing, flexible automated payment scheduling, online sales reports, and fast responses and customer approvals. Cornerstone offers extensive fraud and risk prevention features that lead the industry in protecting merchants.

One of the most difficult parts of opening an on-line business is integrating the payment process. The Cornerstone Virtual Terminal, shopping cart and product catalog are pre-integrated tools that merchants can use easily and immediately to process payments securely and efficiently. Smaller merchants benefit from these tools that speed the development of powerful customized eCommerce applications and give websites a professional appearance.

Larger merchants with more complex product lines, software companies, and ISPs may choose to use our API to integrate directly with the Gateway. Cornerstone provides complete integration information, guides, and toolkits along with technical advice and documentation for using the Gateway, Virtual Terminal and Shopping Cart.