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Online payment processing since 2006

Quantum Gateway handles credit card transactions for your website, virtual terminal, or recurring billing — with PCI Level 1 security and five ways to integrate.

What Quantum Gateway does

Process payments from any browser

  • Keyed and MOTO transactions — no hardware or software to install
  • Customizable form fields to capture the data your business needs
  • Sub-user accounts with granular permission controls
Learn more →
virtual-terminal
No software to install.
Just log in and process payments
from any device, any browser.

→ Desktop, tablet, or phone
→ Multiple users, one dashboard
→ Batch processing support

Customized invoicing with built-in collections

  • Send branded invoices individually or in batch — customize fields, terms, and messaging
  • Automatic reminders and aging reports — sort by 30/60/90 days and trigger follow-ups
  • 2-way text messaging with customers directly from the invoice dashboard
  • Installment billing built in — offer payment plans and enroll customers in financed amounts
Learn more →
invoicing
More than just invoices:

→ Branded, customizable templates
→ Batch send to entire customer lists
→ Auto-reminders by aging bucket
→ 2-way SMS with customers
→ Installment plans & financing
→ Sort by 30 / 60 / 90 day aging

Automated receivables collection

  • Upload your receivables and our Automated Billing Collector sends text-to-pay links to every customer
  • Define backup financing plans — if a customer can't pay in full, offer installments automatically
  • Track collection status in real time — see who paid, who opened, and who needs follow-up
Learn more →
billing-collector
Upload → Collect → Done.

→ Bulk upload your A/R file
→ Auto-send text-to-pay links
→ Financing fallback if needed
→ Real-time collection dashboard
→ Define your own payment plans
→ Reduce days outstanding fast

Integrate with your website

  • Five integration methods from simple embeds to full API control
  • Code examples in cURL, PHP, Python, Node.js, Ruby, and C#
  • Authorize.Net compatible — migrate without rewriting your integration
View API docs →
charge.py
import requests

response = requests.post(
  "https://secure.quantumgateway.dev/cgi/tqgwdbe.php",
  data={
    "gwlogin": "your_login",
    "RestrictKey": "your_key",
    "amount": "49.99",
    "BTEFIRSTNAME": "John",
    "BTELASTNAME": "Doe",
    "ccnum": "4111111111111111",
    "ccmo": "12",
    "ccyr": "26",
  }
)
print(response.text) # APPROVED

Maximize interchange savings on B2B transactions

  • Full Level 2 and Level 3 line-item data support — reduce interchange rates on commercial and purchasing cards
  • Compliant with Visa CEPD and current card network standards for enhanced data transactions
  • Submit tax amounts, PO numbers, item descriptions, quantities, and commodity codes per transaction
Learn more →
level-2-3-data
Lower your B2B processing costs:

→ Level 2: tax + PO number
→ Level 3: full line-item detail
→ Visa CEPD compliant
→ Commodity codes supported
→ Automatic data validation
→ Significant interchange savings

Certified surcharging and cash discount programs

  • Fully certified surcharge program — offset your processing costs while staying compliant with card network rules
  • Cash discount option — display a cash price and card price, giving customers a clear choice
  • Built-in compliance — automatic surcharge disclosures, receipt formatting, and state-level rules handling
Learn more →
surcharging
Offset your processing costs:

→ Certified surcharge program
→ Cash discount alternative
→ Compliant receipt formatting
→ State-level rules handled
→ Automatic disclosures
→ Card network certified

Automate your billing cycles

  • Weekly, monthly or custom billing schedules
  • Post recurring transaction results in real time to your website
  • Customer email notifications and billing management
Learn more →
recurring
Set it and forget it.

→ Weekly, monthly or custom
→ Automatic retries on failure
→ Email notifications to customers
→ Pause, resume, or cancel anytime

Built-in fraud prevention

  • AVS and CVV verification on every transaction
  • MaxMind GeoIP risk scoring and IP blocking
  • Velocity checks, duplicate detection, and amount filters
Learn more →
fraud-suite
Multiple layers of defense:

→ AVS address verification
→ CVV card verification
→ MaxMind GeoIP + risk scoring
→ IP rate limiting & blocking
→ Duplicate transaction detection
→ Configurable amount filters

Why merchants choose Quantum Gateway

Virtual Terminal

Process payments from any browser. Customizable form fields, multi-user access, batch processing. No hardware needed.

Recurring Billing

Automated subscription management with flexible schedules and customer notifications.

Fraud Protection

AVS, CVV, MaxMind GeoIP, velocity checks, and configurable amount filters to keep your business safe.

QGW Vault

PCI-compliant card storage with tokenization. Charge stored cards without handling raw card numbers.

Real-Time Reporting

Statistical and graphical reports with CSV/PDF export. Track sales trends and reconcile batches.

Multi-User Access

Sub-user accounts with granular permissions. Control who can process, void, refund, and view reports.

20+
Years in Business
5
Integration Methods
99.9%
Uptime SLA
PCI L1
Highest Certification

How to get started

1

Open your account

Fill out a short form. Our team sets up your account within one business day. No long-term contracts, cancel anytime.

2

Connect or use the terminal

Choose from five integration methods, use a pre-built module for your platform, or start processing with the virtual terminal immediately.

3

Process transactions

You're live. PCI Level 1 security, fraud prevention tools, and 24/7 US-based support are included with every account.

Common questions

Pricing is straightforward with no hidden fees. Call 800-929-1848 or fill out the sign-up form and our team will walk you through the options for your business.

Quantum Gateway is PCI DSS Level 1 certified — the highest level of security certification in the payment industry. Cardholder data is protected with tokenization, encryption, and multiple fraud prevention layers.

Yes. We offer five integration methods from simple embeddable forms to full server-to-server APIs, plus pre-built modules for WooCommerce, Zen Cart, WHMCS, and 20+ other platforms. Our Authorize.Net emulation API also works with any platform that supports Auth.Net.

Visa, Mastercard, American Express, and Discover. Card-present (swipe/dip/tap) and card-not-present (online/phone) transactions, recurring billing, and invoicing. ACH e-check transactions can also be processed including WEB, CCD, PPD, one-time and recurring.

Our US-based support team is available 24/7 at 800-929-1848 or support@quantumgateway.com. Real people who know payments, not a call center reading from a script.

No. Month-to-month service. Cancel anytime with no penalties or early termination fees.

Ready to accept payments?

Open an account and start processing within one business day. No long-term commitment required.

Open an Account Talk to Our Team

Questions? Call 800-929-1848