Secure Your Online Payment With CloudBanking Payment Gateway

man transacting online

Whether you are a local merchant who owns a coffee shop, an e-commerce merchant, it is very important to integrate a payment gateway into your business to make sure all your financial and personal information is safe and secure. A payment gateway is software that connects the merchant account to the card association. At CloudBanking we handle the complicated paperwork and mechanisms to allow credit card transactions to go through and accept payments in minutes. ​

The Payment gateway acts as a bridge between the merchant and the acquiring bank, that handles all the payment transactions. When your customers enter their credit card number, the payment gateway handles the authorisation, receives the settlement, then deposits the money to the merchant’s account.​

How does a Payment Gateway Helps to Keep your Payment Transaction Safe?​

A Payment Gateway is equipped with the highest security setting and same-day settlement for your payments to continue growing your business. The significant benefit of a payment gateway is its build-in security to keep your customers’ information safe. They securely encrypt data and help pass sensitive information between a merchant store and a bank. It acts as an online version of POS (Point of Sale), which stores use for taking payments from customers. ​

PCI-DSS is designed to add up a security layer to the Payment Gateway. Known as the Payment Card Industry Data Security Standard, it is a set of procedures and policies that is designed to optimise the safety of debit, credit, and card transactions and protect cardholders’ personal information from unauthorised access. ​

A Payment gateway enters the transaction at a number of stages. They are​:

When a customer places an order and click the Check-out button, they are directed to the payment page, where he/she has to provide credit/debit card details.​

Once they provide their card details, the web browser encrypts in information via its encryption protocol, which sends the data to the merchant’s web server. ​

The merchant further processes the data to its payment gateway server using encryption.​

The Payment gateway forwards the information to the payment processor used by the merchant’s bank. ​

The payment processor sends the details to the card association, which acts as the issuing bank, and responds “approved” or “declined” and sent to the payment gateway.​

The credit card-issuing bank gets an authorisation request and checks the credit and debit balance. It transmits a response to the payment processor with some code indicating the state of the response, such as approved or denied. If the transaction is denied, then the reason for the denial (such as insufficient balance or bank link not available) is also attached to the code.​

The payment processor sends the response to the payment gateway. If the response is positive, it will be added to the merchant’s other approved transactions.​

The payment gateway delivers the authorisation response to the website to complete or reject the transaction.​

woman browsing ecommerce site

​CloudBanking is a hosted payment gateway, where a customer is directed away from their current website to the payment gateway website page. At the payment page, the customer is asked to enter the transaction details or credit card details on the payment service provider page. Once the customer makes the payment, he/she is redirected to the merchant’s website. ​

Moreover, with an innovative API tool, the CloudBanking payment gateway provides a checkout option via the merchants’ website. Customers can directly enter transaction information on the payment page where it is controlled by CloudBanking’s payment protection with complete safety assurance. Once the customer has entered the card details and other important transaction information, he/she is taken back to the merchant’s site. This type of payment gateway can save customers time as they are not being redirected to another website.​

How to choose the Right Payment Gateway?

The market offers many secured server hosting payment gateway plans ‒ each with its own advantages and drawbacks. Here are some important criteria to consider while choosing the ideal payment gateway for your business. Check out the fees of each gateway plan you are considering. Some payment gateway service providers demand a percentage of the total monthly transactions, whereas CloudBanking has a transparent pricing model with a flat rate or interchangeable. It depends on your business’s geographic location and how many transactions you see each month. 

A properly secured gateway plan promises profit in the long run. Research the security of the plan you are considering, looking at whether it uses SSL certification for data encryption or has any other security benefits. Not every gateway may support the type of products your business sells. ​

Choosing the right payment gateway is a must for taking payments from your business in-store or online. Consider the safety structure that’s right for your business – while CloudBanking has solutions tailored to both small and medium-sized businesses, we will work with you to ensure you’re equipped with the best payment gateway for your needs.​

Suite 2, 1 Clunies Ross Court
Eight Mile Plains, QLD 4113 AUstralia

+61 1300 117121
+61 7 3532 9495

follow us


© Copyright 2024 Cloud Banking Pty Ltd. All Rights Reserved.

cloud banking pricing table


Run fast, accurate, and automated accounting processes through Cloud Banking’s white label portal for accountants. Simply ask your customers to log on to your dashboard so you can download all their statements and reports—making it easier for you to do their taxes. Likewise, you can make sure that our platform can help you streamline everything from financial consolidation to compliance reporting and audits.


Our innovative payment solutions can easily be integrated into your existing accounting, invoicing, and billing software so you can get paid faster and more secure. Interested? Start by talking to one of our business specialists today.


Are you in the high-risk vertical market? Getting tired of looking for a reliable payment solution for high-risk industry? Don’t worry! CloudBanking got you covered.

We understand that banks and low-risk providers may instantly turn down merchant accounts who they deem industries with a history of high chargebacks, irregular high ticket sales, or that are highly regulated. Thus, finding a high-risk payment processing solution that keeps high-risk businesses running efficiently might be a daunting, frustrating process. This is all the more true for the CBD oil industry. However, CloudBanking understands that your business model works for you. We believe in your business’ desire to help the community and we’re committed to providing top-rated services.

Thus, we go the extra mile to ensure your business’ security and efficient cash flow. We provide tailored solutions and features because we understand your unique needs. You can now offer your customers a smooth and seamless journey with our innovative payment solution for high-risk industry.


Focus on what matters most to your business—your customers. And allow CloudBanking to take care of your payments. Our payment solution for health and wellness industry will be your trusted partner in improving your customer experience. With our innovative platform engineered to accept all kinds of payments and provide the security you need; we can guarantee you streamlined business operation.


In the ever-changing global marketplace, make your business at the forefront of innovation to give your customers the best customer experience. Trust that our payment solution for health and wellness is here to help you meet your customers’ expectations while improving your cash flow. Contact us today to experience the difference.


Are you one of the small or mid-sized businesses in the field service industry having trouble collecting payments? And are you tired of all the waiting and hassles? Then, it’s time for you to adopt a phone- and cloud-based payment solution for field services that will improve your cash flow and accuracy. Allow your field services staff to accept payment on-site so they can focus on the next job.


Level up in the game field by offering a cutting-edge payment solution for field services that will assist you in meeting your needs and improving your bottom line. Contact us to know how we can be your trusted partner in getting paid faster and secure.


The retail environment has evolved rapidly in the past years. To keep with the pace and increase your bottom line, you need to integrate a platform providing a full suite of card payment systems that fully satisfies the needs of you and your customers. CloudBanking’s payment solution for retail industry is here to help you stay in the game and be more competitive.


Powered with the latest technology, our credit card processing solutions allow retailers to accept any form of card payments such as credit cards, debit cards, and EMV-compliant cards. Our payment solution for retail industry can help you effortlessly manage your point-of-sale transactions while you boost your retail sales.


CloudBanking offers a customized payment solution for professional services companies, such as law firms, insurance agencies, and accounting firms. Our platform is designed to provide you a safe, convenient, and secure way to accept your service fees and lessen the administrative cost related to payment processing.


We understand that your business’ payment processing needs are unique. So you can’t just rely on any payment processing platform to manage your cash flow. You need a trusted partner to receive payments fast, secure, and easy. Enjoy this hassle-free process when you integrate our payment solution for the professional services industry.