PayTrace Gateway Review

by Ben Dwyer

The PayTrace gateway offers online businesses a secure, user-friendly way to accept payments through shopping carts and secure hosted checkout pages.

You’ll be able to accept credit cards, debit cards, and electronic checks while benefiting from encryption to reduce the risk of data theft. PayTrace processes Visa, MasterCard, Discover, American Express, JCB, and Diners’ Club.

PayTrace homepage

In addition to accepting payments and authorizing transactions, you can easily email receipts to customers, void transactions, and process refunds or partial refunds. Receipts can be customized with your business information in the header and footer.


PayTrace offers a range of features to make transaction processing and after-transaction business management convenient. PayTrace offers hosted payment pages, custom reporting, extensive API resources and sample developer code, and fraud management tools to ensure security. PayTrace offers email support 24 hours a day, 7 days a week, and provides telephone customer service during extended business hours. Additionally, the company provides tutorial videos to assist with common questions and training.

Hosted Payments Page

Hosted payments pages are an option that many small businesses choose, especially when they want to get set up quickly or with minimal programming knowledge. PayTrace offers secure hosted payment pages to help you easily and safely accept payments online. When you use a hosted payments page, PayTrace hosts the checkout page on their server, making it easier and more secure for you. Some service levels can support customized payments pages, allowing you to upload a business logo or background image, match the color scheme to your existing website, and more.

API Resources

If you’d prefer to add the PayTrace gateway into your software or system, PayTrace offers a range of API integration guides and sample code for developers. The PayTrace API processes payments in real time and can generally provide transaction authorization in 6 seconds or less. The API also provides shipping quotes, processes recurring payments, emails receipts, and can store customer and transaction profiles for convenient re-use.


For convenient back-office management, PayTrace offers a range of reports. You can view transaction details or payment receipts for 2 years, download spreadsheets of information, and create custom reports. You can also add custom data fields to transactions for reporting later, and store cash and check transaction information to include with sales reports.

Fraud Management

PayTrace offers several fraud management options, including the ability to limit duplicate transactions with a certain time period, require certain information (such as billing address or card security code) before processing a transaction, automatically cancelling transactions that fail security authorizations, and more.

Specialty Uses

In addition to processing regular online consumer transactions, PayTrace also works for speciality situations, such as B2B transactions, recurring billing, and phone orders.

Business-to-Business (Level II and III Transactions)

PayTrace can process Level II and Level III transactions, which require more intensive authorization information. This is particularly important for businesses that accept a lot of corporate or government cards. If you’re not properly set up for Level II and Level III, you’re overpaying to accept these cards.

Read more about Level II and Level III Enhanced Data.

Recurring Billing

For businesses that offer products or services on a set schedule, such as weekly or monthly subscriptions, PayTrace provides the option to set up recurring billing. Youcan focus on other areas of business management by not having to manually request payments.

Additionally, PayTrace offers a secure customer storage vault for storing and protecting customer data. The storage vault assigns custom tokens to card data, reducing liability and eliminating the need to store card information locally. With some service levels, stored customer profiles can be used to process transactions quickly during future purchases, as well as emailing when a customer’s credit card is near expiration.

Phone Orders

PayTrace can also provide a virtual terminal, giving you the ability to process payments using a computer with internet access and a web browser. Virtual terminals are an ideal solution for businesses who regularly accept payments over the phone or by mail order.


PayTrace is Level I PCI compliant, and utilizes tokenization technology to ensure security for businesses and their customers. PayTrace also uses industry-standard Secure Socket Layer (SSL) encryption to secure data during transmission. Additionally, multi-factor authentication sign-in processes are used to ensure that only authorized users have access to your account and data. Merchants can control the access levels for authorized users and define a time period of inactivity for the system to log off.

Product Features



  • Includes virtual terminal
  • Fraud prevention features
  • Recurring billing
  • Level III data
  • Mobile swiper support
  • Card storage vault
  • Hosted Checkout
  • Multi-currency support
  • Web Service API
  • Customized risk preferences
  • Real-time reports
  • Electronic invoicing