Payment processing platforms provide the technology infrastructure to accept, process, and settle online payments. They handle credit card transactions, digital wallets, bank transfers, and alternative payment methods. Key features include PCI-DSS compliance, fraud detection, 3D Secure authentication, tokenization, recurring billing, multi-currency support, and detailed transaction reporting. Modern processors offer one-click checkout, mobile SDKs, subscription management, and global payment method coverage to maximize conversion rates.

Revenue model based on: (1) Transaction fees typically 2.9% + $0.30 per successful charge, (2) International card fees adding 1-2% for cross-border transactions, (3) Currency conversion fees of 1-2%, (4) Chargeback fees of $15-25 per dispute, (5) Monthly fees for premium features like advanced fraud detection, (6) Setup and integration fees for enterprise accounts, (7) Payout fees for instant transfers, (8) Subscription management fees for recurring billing. Volume discounts available for high-transaction merchants.

• Payment Success Rate

  Percentage of attempted payments approved

• System Uptime

  Payment gateway availability

• Fraud Detection Accuracy

  Fraudulent transactions blocked

• Settlement Time

  Time to merchant payout

• API Response Time

  Average payment processing latency

• Chargeback Rate

  Disputed transactions percentage

Stripe, Square, PayPal, Adyen, Toss Payments