Gateway Fee

A Gateway Fee is a charge that a credit card processor may impose on a merchant for the use of a payment gateway. Gateway Fees may be a flat fee or a percentage of the transaction amount and may be charged on a monthly or annual basis.


A Gateway is a software application or service that acts as a bridge between a merchant’s website or point-of-sale system and a payment processor. Gateways handle the communication between the merchant and the payment processor, as well as the authorization and settlement of transactions. Gateways may also provide additional features, such as fraud prevention and reporting.

Gift Cards

Gift cards are prepaid cards that can be used to purchase goods or services at a merchant or online. Gift cards may be issued by merchants, banks, or other financial institutions and may be branded with the issuer’s logo or a specific retailer’s logo. Gift cards are often used as a gift or as an alternative to cash.

Global Payment Systems

Global payment systems are networks of financial institutions and other entities that facilitate the processing of electronic payment transactions around the world. Global payment systems, such as Visa and Mastercard, provide a range of payment processing services, including credit card processing, debit card processing, and mobile payments.

Google Pay

Google Pay is a digital wallet and online payment service offered by Google. Google Pay enables users to make payments, store loyalty cards, and redeem offers with their Android devices or online. Google Pay can be used for instore, online, and inapp purchases, and is accepted at participating retailers and merchants.

Grace Period

A grace period is a specified period of time during which credit card holders are not charged interest on their balances. Grace periods typically apply to new purchases and may vary by card issuer and credit card type. Grace periods do not typically apply to cash advances, balance transfers, or other fees.


A guarantor is an individual or entity that assumes responsibility for another person’s debt or obligation. In the merchant services industry, a guarantor is required when obtaining a merchant account, this is usually the business owner(s).



A Hacker is an individual who uses computer skills and knowledge to gain unauthorized access to computer systems, networks, or data. In the credit card processing industry, Hackers may target merchants, credit card processors, or card issuers in an attempt to steal sensitive cardholder information or commit fraud.

Hard Credit Pull

A hard credit pull is a credit inquiry that results in a temporary reduction in a consumer’s credit score. Hard credit pulls are typically initiated by lenders or other financial institutions when evaluating a consumer’s creditworthiness for a loan, credit card, merchant account or other type of credit.

High Risk Merchant Account

A high risk merchant account is a credit card processing account that is specifically designed for merchants that are considered to be at a higher risk for chargebacks, fraud, or other issues. These accounts may have higher fees or stricter terms than standard merchant accounts, and may also require additional security measures to protect against fraud or reduce exposure.

High Risk Merchant

A high risk merchant is a merchant that is considered to be at a higher risk for chargebacks, fraud, high than normal refunds or other issues. These may include merchants in certain regulated industries, such as adult entertainment or gambling, supplements, or merchants with a history of high chargeback rates. Credit card processors often charge slightly higher fees or impose stricter terms on high risk merchants to mitigate the risk of losses.


A hold is a temporary hold on funds that a credit card issuer or processor places on a cardholder’s account. A hold may be placed on an account to verify the availability of funds or to prevent fraud. Holds may be placed on accounts for a variety of reasons, such as large or unusual transactions, or if an account is inactive for an extended period of time.


A holdback is a portion of a merchant’s credit card sales that is withheld by the credit card processor or issuer until a later date. Holdbacks may be used to cover chargebacks, fees, or other costs associated with processing the transactions. Holdbacks may also be used to ensure that a merchant has sufficient funds to cover any potential losses or liabilities.


A hologram is a three-dimensional image created using laser light. In the credit card industry, holograms are often used as security features on credit cards to help prevent counterfeiting. Holograms may be visible or may be embedded in the card and can only be viewed with special equipment.

Hosted Checkout

Hosted checkout is a payment processing solution in which the consumer payment intake form is hosted on a secure server and displayed to the customer within an iframe on the merchant’s website. Hosted checkout allows the merchant to accept payments without handling sensitive cardholder data, reducing the risk of data breaches and PCI DSS compliance issues.

Hosted Payment Page

A hosted payment page is a secure payment page that is hosted by a payment processor or gateway. They are used to collect and process payment information from customers and may be displayed on a merchant’s website or as a standalone page. Hosted payment pages allow merchants to accept payments without handling sensitive cardholder data, reducing the risk of data breaches and PCI DSS compliance issues.


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