Cheaper
payment gateway
easy integration, free activation
more than 50 payment methods
payouts daily, free and automatically to any account
More than 15 thousand merchans use Comgate services. You can find both well-known names and start-up entrepreneurs among our clients.
More than 15 thousand merchans use Comgate services. You can find both well-known names and start-up entrepreneurs among our clients.
Fair conditions with no commitment
The percentage and monthly fee for both are automatically lowered according to the volume of current transactions. Our price list is simple and clear. The volume of transactions are calculated from all your eshops. No service cancellation fees.
Contract without a commitnent, possibility of cancellation at any time without penalties.
Calculate your savings
Get more completed payments
BNPL gets you up to 7% more sales
Get about 7% payments more because of postponed payments. Your customer can buy now and pay for it later (for example after 30days). This service is free for our customers. You do not risk anything. We send money immediately.
+ 7 %
Payment restart increases sales up to 3%
We are able to save payments, where client wrote wrong card number, badly fill verification code or client did not have mobile phone for payment verification. In all these cases we are able to lead the client to another try with another possibility to pay with any other payment method.
+ 3 %
All functions, simple implementation
You will get all the usual payment methods and functions of a Payment Gate and on top of that a premium service.
Your payments are secure
Czech National Bank payment license
Registration in National bank of Slovakia
Certified partner of VISA and Mastercard
Obtained PCI DSS Level 1 certification
Protected by Cloudflare system
Services for more than 20 years
Your payments are secure
Do you have any questions?
We are available online weekdays from 8:00 to 20:00. Your questions will be answered as fast as possible.
Do you have any questions?
We are online during working days from 8:00 to 20:00. Your questions will be answered instantly.
Call us
+420 228 224 267
Send email
podpora@comgate.cz
Frequently asked questions
The payment gateway is a tool that allows e-shops to accept payments by card and by other payment methods (e.g. Google Pay, Apple Pay, QR code payments, bank transfers, deferred payments or payments in installments).
Thanks to the use of the payment gateway, the e-shop owner has only one contract signed and one service activated, they do not need to conclude many contracts with individual card companies, banks, providers of deferred payments and installment sales.
Another advantage of the payment gateway is the well-thought-out payment navigation system, which brings a higher number of completed payments to the e-shop.
Payment gateways are usually integrated into most e-shop platforms, can generate data for accounting systems and are secured by strict PCI DSS standards.
Payment gateways can be divided into groups according to the functions offered. According to one such division, there are payment gateways that allow only card payments, and those that offer other popular payment methods such as Google Pay, Apple Pay, QR code payments, bank transfers with immediate confirmation, deferred payments, payments in three installments without increase or installment sale. Higher number of offered payment methods means higher number of completed payments on the e-shop.
Another point of view divides payment gateways according to the acceptance of different currencies and communication in different languages.
The price is also an important feature of the payment gateway – the cost of a completed transaction. This can vary considerably between providers.
The customer is usually redirected from the e-shop to a payment gateway where they can choose a payment method (e.g. card payment, Google Pay, Apple Pay, QR code payments, bank transfers with immediate confirmation of payment, deferred payments, payments in three installments or installment sale).
The process of entering and confirming the payment follows, in the next step the payment gateway sends information about its completion to the e-shop. Based on the confirmed payment, the e-shop can ship the goods.
If the payment is not completed, for example due to incorrect payment card information the payment gateway will offer the buyer another payment method or the option to repeatedly enter the card number. The offer to choose another payment method has a significant effect on the number of completed payments.
You can get a payment gateway for your e-shop from one of the payment gateway providers. When choosing, we recommend focusing on the following criteria: 1) the number of payment methods and the way they are presented in such a way as to support a higher rate of payment completion, 2) the price, i.e. the cost of completed transactions, 3) if you plan to expand abroad, then the range of languages in which the payment gateway communicates and the number of currencies in which payments can be made.
You will connect the payment gateway to the e-shop in cooperation with the payment gateway provider.
Payment gateways usually enable connection with various software e-shop platforms. Their function is also the creation of reports and statements for entering payment data into e-shop accounting.
In the first case, the user inputs the card data such as card number, expiration date, cardholder name or CVV code manually. When paying by Google Pay or Apple Pay, the data is filled in automatically.
After entering the data and confirming the payment in the payment gateway, the user confirms the payment using the bank's mobile application or SMS. This is the called 3D Secure verification. After confirming the payment on the mobile phone, the transaction is completed.
The payment gateway provider forwards the payment information to the e-shop, which sends the goods to the buyer.
The Comgate payment gateway enables online payments in e-shops using a wide range of payment methods (card payment, Google Pay, Apple Pay, QR code payments, bank transfers with immediate payment confirmation, deferred payments, payments in three installments without increase or installment sale).
Comgate holds a license from the Czech National Bank and is registered with the National Bank of Slovakia. The payment institution license allows Comgate to operate throughout the European Union region. Comgate systems undergo annual PCI DSS Level 1 certification.
From the payer’s point of view, paying by card only takes a moment, during which the card data is entered either manually or using one of the services such as Google Pay or Apple Pay. This is followed by confirmation of the transaction, usually using the payer's bank's mobile application or SMS.
The next part of the transaction takes place between the e-shop and the payment gateway provider - the e-shop receives a message about the payment and starts shipping the goods based on this. The last step is to send the payment from the bank account of the payment gateway operator to the bank account of the e-shop.
QR payment is a very popular online payment method, where the payment gateway offers a QR code of the order to the buyer. The buyerlaunches their bank's mobile application, selects a payment option and then a QR payment. After scanning the QR code with the mobile phone, the payment data is loaded into the bank application. The buyer confirms the payment and pays. QR payment is easier for the buyer than card payment, because it does not require copying data and the entire payment process takes place in the mobile banking application.
Deferred payments give the buyer the opportunity to receive the goods immediately, just like when paying by card, but with a later payment - for example, in 14 or up to 30 days. Deferred payment is free for the buyer. It is advantageous for the e-shop - the seller receives payment for the order immediately. The service is operated by specialized providers who provide financing and bear the risks of potential non-payment by the buyer.
Deferred payment is an electronic equivalent of cash on delivery, with the difference that the seller receives the money for the goods immediately, rather than waiting for the buyer to pay. Deferred payment providers carry out credit checks on buyers and are not obliged to provide the service to every applicant.
Payment in three installments is a service thanks to which the buyer pays only one third of the price when completing the order, and pays the other two thirds in two equal monthly installments. The buyer pays only the price of the order without interest. The interest expense is paid by the seller, i.e. the e-shop.
The reason why some e-shops introduce the service of selling in three installments without an increase is the effort to sell more goods, or to convince the buyer to buy more expensive variants.
When choosing a payment gateway, we recommend focusing on several topics: 1) the range of payment methods and the way they are presented in such a way as to support a higher rate of payment completion, 2) the price, i.e. the cost of completed transaction for the e-shop, 3) if you plan to expand abroad, then also on the offer of languages in which the payment gateway communicates and the number of currencies in which it is possible to make payments.
Another important selection criterion is the method of communication of the payment gateway provider. The one that transparently communicates the price of the services, including the full price list, contractual documentation on their website, is more trustworthy than the one that only provides this information on request.
For some merchants, other aspects of the operation of the payment gateway are also important: 1) whether it automatically sends payments to any e-shop bank account daily and without additional fees, 2) whether it offers complete overviews of payments and fees in their client portal, 3) whether it offers exports for convenient uploading of payment and fee data to accounting.
Customer support is also important, preferably in the form of an electronic online self-service portal as well as e-mail and telephone support in the local language.
Setting up a payment gateway is free at most providers. It is also common that after exceeding a certain monthly volume of transactions, for example CZK 50,000, operation of the payment gateway is also free, only fees for completed transactions are paid.
Beginning merchants can get discounts from most providers as part of the Česko platí kartou event. Card payments of up to CZK 50,000 per month can be made free of charge for the first six months of operation of the payment gateway. This applies to merchants who have not yet accepted payment by card in their e-shop.