> For the complete documentation index, see [llms.txt](https://docs.xorosoft.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xorosoft.com/xoroerp-1/utilities/manage-credit-card-payment-services/payment-gateways-in-xoro/what-is-a-payment-gateway.md).

# What is a Payment Gateway?

A payment gateway is a merchant service provided by an e-commerce application service provider that authorizes **credit cards** or direct payment processing for e-businesses, online retailers, etc.

You will need a payment gateway to process any payments in Xoro, for example, **Invoice Payments** through Cards or **receiving payments** from customers by sending them the **payment links/Deposit links** or to process the refunds, eg. Deposits/Credit memo ( applicable only if the Card was processed to make the payments).

Xoro supports the following 5 Payment Gateways:

1. Stripe
2. Moneris
3. Authorize.Net
4. Global Payments
5. Fuze Payments (I3 Verticals)


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