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Overview

What is a Payment Gateway?​

A payment gateway is a technology service that processes credit card payments and other payment methods for online stores. In Publica.la, payment gateways act as intermediaries between your store and your customers' banks or financial institutions, ensuring secure and reliable transactions.

Key Functions​

  • Encrypts sensitive payment data
  • Validates customer payment information
  • Ensures funds are available
  • Facilitates the transfer of funds from customer to merchant
  • Provides security measures against fraud

Why Multiple Gateways?​

Publica.la supports multiple payment gateways to:

  • Serve different geographical regions
  • Support various local payment methods
  • Provide backup payment options
  • Optimize transaction costs
  • Meet specific currency requirements

Payment Processing Options​

Our fully managed payment solution where we handle all payment processing through our enterprise-level gateway accounts. This option offers:

  • Immediate setup - no gateway credentials needed
  • Enhanced security through our enterprise-grade infrastructure
  • Automatic handling of currency conversions
  • Unified reporting and reconciliation
  • Managed compliance and fraud prevention
  • Revenue sharing and automated payouts
  • Full technical support for payment issues

2. Self-Managed Payments​

Publishers can configure their own gateway credentials to process payments directly through their accounts. This option provides:

  • Direct control over payment processing
  • Direct receipt of funds to merchant account
  • Custom gateway configuration
  • Independent management of transactions
  • Access to gateway-specific features

Commission Models​

Fixed Fees​

Tenants can configure flat fees per currency instead of percentage-based commissions. See Fixed Fees documentation for detailed configuration and behavior.

Percentage Commissions​

Traditional percentage-based commissions (15% for internal sales by default).

Supported Payment Processors​

Primary Gateways​

  • Stripe Can be used in two ways:

    • Through Publica Payments:
      • Managed through our enterprise account
      • Revenue sharing model
      • Immediate setup
    • Self-Managed:
      • Using publisher's own Stripe account
      • Direct fund reception

    Features:

    • International payments across 135+ currencies
    • Special configuration for Brazil
    • Additional sub-payment methods (WeChat Pay, AliPay, LinkPay)
    • Automatic tax calculation

  • MercadoPago Available in two modes:

    • Through Publica Payments:
      • Managed through our enterprise account
      • Revenue sharing model
    • Self-Managed:
      • Using publisher's own MercadoPago account
      • Direct fund reception

    Features:

    • Specialized for Latin American markets
    • Local payment methods support
    • Regional currency optimization

Legacy Gateways​

  • PayU (Only for Colombia) (Scheduled for deprecation)

  • PayPal

    • Maintained only for previously acquired recurring subscription plans
    • No new subscriptions accepted
    • Continues processing existing recurring payments

Shopping Cart Integration​

Payment gateways seamlessly integrate with the shopping cart to handle:

  • Single-item purchases
  • Multiple-item transactions
  • Subscription Plans
  • Discount coupons

Transaction Types​

Different gateways support various transaction types:

  • One-time Purchases

    • Individual products
    • Multiple items

  • Subscription Plans

    • Recurring billing
    • Trial periods
    • Plan upgrades/downgrades
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