Payment Gateway is the essence of any e-commerce site. It refers to an e-commerce service that authorizes payments for e-businesses and online retailers. It is, in a way representation of a physical POS (Point-of-sales) terminal located in most retail outlets. One cannot think of making or receiving on-line payments without a Payment Gateway. Payment gateways encrypt sensitive information, such as credit card numbers, to ensure that information passes securely between the customer and the business. The payment card industry (PCI) denotes the debit, credit, ATM, and POS cards and associated businesses. The term, Payment Gateway is sometimes more specifically referred to the Payment Card Industry Security Standards Council, an independent council originally formed by American Express, Discover Financial Services, JCB, MasterCard Worldwide and Visa International.

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