Albeit, there are a numerous options for payment gateway available in the market worldwide, there are many whose functionalities differ from each other for better or worse. Let us compare these such payment gateways.

1. 1 Cart Pay vs Others
Vs Authorize.net vs PayPal
Albeit, there are a numerous options for payment gateway available in the market worldwide, there are
many whose functionalities differ from each other for better or worse. Let us compare three such
payment gateways: Cart Pay, Authorize.net & PayPal, each of them have varied & exclusive services
where one’s functionality surpasses the others’.
Merchant Discount Rate
 Merchant Discount Rate is 2.9% for both Cart Pay as well as Authorize.net but for PayPal, it is
2.5%.
Fraud Checks
 Cart Pay provides highest level of fraud checks in their transaction, where Authorize.net has low
level of fraudulent check; PayPal has ridiculous levels for checking frauds & is extremely poor in
checking frauds.
Interactive Voice response
 The sole & exclusive gateway service provider that provides an interactive voice response, i.e.,
IVR is Cart Pay, no other payment gateway including Authorize.net or PayPal provide the voice
verified transaction.
Types of industries dealt
 Cart Pay deals with the high-risk business industries, whereas Authorize.net does not deal with
the high-risk business ventures & PayPal only deals with low-risk business industries.

2. 2 Cart Pay vs Others
Conversion Rates
 The Conversion rates of payment processing is as high as 90% in Cart Pay, an average 55-60% in
Authorize.net, whereas 70% in PayPal.
Approvals Sanction
 It takes as less as 3 business days to get the merchant account approved at Cart Pay, whereas in
other payment gateways like: Authorize.net takes a whole 7 days for the approval. On the other
hand, PayPal takes 3-5 business days for the approval.
Manual Verification
An extensive manual verification is carried out for all the transactions made at Cart Pay. This verification
is very strong in nature & detects flaws efficiently. A moderate level of manual verification is carried out
at Authorize.net, whereas PayPal has nil manual verification rendering it quite risky & inefficient in
detecting flaws, whatsoever they may be.
Vs Stripe
With large varieties of payment gateways to choose from, it has thus become crucial for the merchants
to choose wisely a payment gateway that fulfills all the basic necessities of the payment gateway. Here,
in this article we shall carry out the points of differences between Stripe & Cart Pay. We will thus carry
out a descriptive analysis of these specified payment gateways.
Let’s see the differences between them on the basis of various criterions:
Monthly Fee

3. 3 Cart Pay vs Others
Stripe offers zilch monthly payments, that is, $0. However, Cart Pay offers $89.95 amount of monthly
payments to the merchants.
Support
Stripe is incapable in supporting high-risk industries; Cart Pay, on the other hand has the efficiency in
supporting varied high-risk businesses like: tech support, online pharmacy, resume services, etc.
Global reach
Stripe has till date managed to reach only few of the continents, including: USA, UK, Canada, Ireland &
Australia. Cart Pay, however has a worldwide presence & reach, as it is existent globally.
Minimum Transaction Fee
Stripe has a minimum transaction fee of 2.9% + 0.30¢. Cart Pay on the other hand has a minimum
transaction fee of 2.9% + 0.39¢.
MOTO
Cart Pay does not facilitate its users with Mobile Order Telephone Order terminal, whereas Cart Pay
does provide its merchants with Mobile Order Telephone Order, that is, MOTO terminal.
Virtual Terminal
Stripe has no provision of Virtual Terminal for its merchants; however, Cart Pay has been facilitating its
users with the Virtual Terminal.
Order Voice Verification
Stripe has no provision of extensive voice verification of the financial transactions that occur within the
payment gateway environment. Cart Pay, on the other hand provides a rich IVR payment feature, called
Interactive Voice Response, which verifies, thereby authorizing the entire transaction process for its
users. This feature by Cart Pay is matchless & no other payment gateway provides this support to its
merchants.
Thus, it is clear how Cart Pay is a highly reliable payment gateway & has proven better than its
counterpart payment gateway, Stripe in more ways than one.
Vs. Android Pay vs. Apple Pay vs. Samsung Pay

4. 4 Cart Pay vs Others
The time has come when you can make payments for the goods & services with your own smartphone.
Let’s discuss all these available options of making payments.
Android Pay – It’s not the first time that Google has come up with a mobile payment service, back in
2011 also Google introduced Google Wallet. However, recently Google introduced Android Pay, as it has
the service of NFC enabled with it. NFC technology is the Near Field Communications technology which
makes payment on the contactless terminal. Android Pay can even be used for in app purchases or even
anywhere online using the Android Pay button. The system thus uses a PIN for authentication of a given
transaction that involves making payments using Android Pay.
Apple Pay – Apple has made a huge step in being capable of making secure payments using the NFC
terminal. This was introduced during the launch of iPhone 6 and iPhone 6 Plus. Apple Pay thus requires
NFC and does not work with the older terminals; it is thus not usable in as many places as Samsung Pay.
This service was initially available only in the United States. Apple Pay makes sure the transactions occur
safely, in a secure manner.
Samsung Pay – Samsung Pay was launched along with Samsung Galaxy S6 which also has NFC for usage.
However, the process of making payments via Samsung Pay differs from Apple Pay, as instead of limiting
the financial transactions exclusively to Near Field Communication, Samsung Pay aims at working on
with the magnetic strip readers. This is a new & novice technology called Magnetic Secure Transmissions
or MST in short.
Both Apple Pay and Samsung Pay payment systems all very efficient but require certain smartphones to
work. You ought to be equipped with the gadgets to avail these services.