CommerceGate

CommerceGate: What Merchants Should Know

CommerceGate positions itself as a regulated EU financial institution focused on online card and local payment acceptance, with particular strength in Latin America.

CommerceGate At A Glance

CommerceGate is an EU-regulated financial institution that provides online payment processing and a proprietary gateway platform. The company highlights PCI DSS Level 1 certification and audits by a Big Four firm. It emphasizes native access to Brazil and wider LATAM methods alongside card acquiring. Merchants can connect by API, via hosted payment forms, or through partner integrations.

Key points at a glance:

• Regulated and licensed in the EU, with records indicated in the Bank of Spain’s official registers.

• PCI DSS Level 1 service provider, with claims of continuous compliance since 2009.

• LATAM coverage that includes Brazil, Mexico, Colombia, Chile, Peru, and Ecuador, with support for local rails such as PIX and Boleto, plus local card brands.

• Focus areas include high-risk segments such as iGaming, sports betting, adult entertainment, and forex, where additional risk controls and workflows are required.

Core Products And Capabilities

Payment Gateway

CommerceGate’s gateway is the core product for merchants that need to process and manage digital payments globally. The platform provides the tools to authorize, capture, and refund transactions and to analyze performance through reports. The company positions the gateway as suitable for online retail and digital services that require scale without adding operational complexity.

Notable features:

• Hosted payment pages and forms that can be customized to the brand experience.

• Subscription payment support with automated rebilling for failed payments.

• Multi-acquirer routing within the platform’s two-sided network of banks and payment providers.

Payment Processing And Multi Acquiring

The processing layer connects merchants to multiple upstream providers. CommerceGate describes end-to-end transaction flows and the ability to consolidate authorization, clearing, and settlement operations through a single API. For PSPs and platforms, the company markets quick merchant onboarding and portfolio-level risk and pricing controls.

What this can enable:

• Redundancy and routing rules across several acquirers.

• Centralized clearing and reconciliation across payment sources.

• Portfolio management features for PSPs and marketplaces.

Revenue Optimization And Checkout

CommerceGate provides checkout optimization guidance and tailored UX for mobile and desktop. The company notes access to high-converting payment forms and implementation support from customer success and integration teams.

Risk And Compliance Services

Risk management is an explicit pillar for CommerceGate, especially for high-risk verticals. The company offers dedicated risk managers, configurable real-time filters, 3D Secure 2.x authentication, and KPI tooling for approval and chargeback performance.

Highlights:

• Rule sets and scoring to flag anomalous transactions.

• Support for 3D Secure-based step-up flows to mitigate card-not-present fraud.

• Advisory support to tune thresholds, analyze declines, and track KPIs.

Payment Methods And Geographic Coverage

Cards And 3D Secure

The platform supports acceptance of major card networks and 3D Secure authentication. 3DS is positioned as part of a layered defense to reduce fraud and chargebacks in card-not-present environments. For merchants in regulated sectors, the company emphasizes compliance and audit processes in line with industry standards.

Local Methods In LATAM

A differentiator for CommerceGate is native support for Brazil and neighboring markets. For Brazil specifically, it references PIX and Boleto, as well as local cards such as ELO, Aura, and Hipercard. The company extends this local methods approach across Mexico, Colombia, Chile, Peru, and Ecuador. For EU-based merchants expanding to LATAM, the promise is higher authorization rates through domestic rails and localized routing.

Integration And Developer Experience

CommerceGate provides multiple integration approaches:

• Single API for core flows. The company indicates that authorization, clearing, settlements, refunds, and reporting can be orchestrated through one interface.

• Hosted forms. Merchants can deploy optimized payment pages without handling sensitive card data directly.

• Advanced platform features. For platforms and marketplaces, there is support for automated report initiation, refunds, and custom parameters for routing and reconciliation.

While the site highlights a developer-friendly approach, public API reference documentation depth available on the marketing pages is limited. Merchants typically request technical guides during onboarding.

Use Cases And Supported Industries

CommerceGate explicitly courts high-risk and regulated segments where specialized risk and compliance controls are required:

• iGaming and sports betting. Emphasis on secure processing, authorization optimization, and fraud-prevention tooling.

• Adult digital content and services. Tailored configurations for elevated scrutiny, chargeback exposure, and brand protection needs.

• Forex and trading platforms. Controls for fraud, dispute management, and consistent reporting for supervisory requirements.

Merchants in standard eCommerce categories can also use the platform, but CommerceGate’s public content leans toward high-risk expertise and LATAM expansion.

Security, Certification, And Regulation

Security and regulatory credentials are central to the value proposition:

• PCI DSS Level 1. CommerceGate states that it is a Level 1 service provider and has maintained this posture since 2009. This indicates independent assessment against PCI DSS to handle, process, and transmit cardholder data securely.

• 3D Secure 2.x. The risk stack includes 3DS 2.x support, which enables issuer-side authentication and can reduce unauthorized transactions.

• EU regulation and audits. The company presents itself as licensed and regulated in Spain within the EU framework and audited by KPMG. The Bank of Spain maintains official public registers where the corporate entity details can be verified.

For merchants, these attributes matter for vendor due diligence, card network compliance, and internal security assessments.

Pricing

CommerceGate does not publish public price cards for setup, monthly, or per-transaction fees. Pricing is typically custom based on industry, methods, volumes, risk profile, and geography.

Strengths

• EU regulation and PCI DSS Level 1 credentials that support enterprise due diligence.

• Depth in Brazil and broader LATAM with native rails and local card brands.

• Subscription payments and multi-acquirer routing for authorization performance.

• Dedicated risk and compliance support with 3DS 2.x and real-time controls.