A Payment Gateway is simply software in the cloud that facilitates a credit card transaction between a service like Txt2Give and your merchant account.
Most companies that provide you with a merchant account will also provide you a payment gateway. Both of these work together to allow you to run credit card transactions digitally.
At Txt2Give, we don't provide you with a payment gateway or merchant account. Instead, we support many existing payment gateways that you can plug into your Txt2Give account. You have the freedom to choose which one is right for you.