A payment gateway is a merchant service provided by an e-commerce application service provider that authorizes credit card or direct payments processing for e-businesses, online retailers, bricks and clicks, or traditional brick and mortar.
An IVR Gateway provides automated phone based payment acceptance solution for organizations. Callers interact with the IVR Payment System via touch tone or voice prompts, allowing them to make payments due without the need for human interaction from the merchant organization side.
An SMS Gateway is a protocol that enables a computer to send and receive SMSmessages through mobile network SMPP protocol. The SMS gateway converts the message being sent into a language that can be easily understood by the network receiving it.