Key points
- Full-stack providers are fastest to launch and simplest to run
- Separate gateway + acquirer can be cheaper at high volume
- Hosted checkout keeps PCI scope minimal
- 3DS / SCA is now the default — pick a gateway that handles it seamlessly
What are full-stack payment providers?
Stripe, Adyen, Square and similar players do both jobs in one contract. Fastest to launch, one relationship to manage.
What is a gateway with a separate acquirer?
You use a gateway product with an existing acquiring bank. Often cheaper on volume, but you manage two contracts and two support lines.
Hosted or integrated checkout: which should you use?
Hosted checkout (redirect to the provider) is the simplest PCI route. Fully integrated checkout keeps the customer on your site but pulls you into a broader PCI scope.
What are 3DS and Strong Customer Authentication?
Every EU/UK transaction defaults to Strong Customer Authentication. Modern gateways handle 3DS2 challenges automatically.
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