The entire success of business in this world is based on the financial transactions. It was indeed a big moment in the history of the world when the transaction shifted from paper to plastic money. It was for the first time that the data processing could be done by the simple card swipe or simply by adding the account number rather than going by the cash or the traditional check payments. With the merchant service, one can find the advantage. Some of the advantages are PCI compliance and the improved customer service. With the superior processing services of the credit cards, there can be a good experience in the area of customer services and this experience will become all the more interesting with the passage of time. When the big payments are accepted on a daily basis, this will show the dependability of the customers on the company and vice versa. There are companies related to the payment gateway for technical support that focus security as a prime concern when it comes to the online payment over internet. By the word security, we mean keeping the sensitive information that includes credit card details and personal details confidential by encryption and also by using various other security standards. The application software of the payment gateway is maintained by the high end server of the bank. As the new features, standards and payment technologies emerge, they are implemented automatically. Integration of payment gateway is done with the risk management component and this gives them the power to control risk in an effective manner.