Along with a business idea and a strategic execution plan, a new tech-driven business requires multiple other tasks to be done. Selecting a payments gateway that facilitates easy customer payments to your business account is one of them. It might come as a surprise to you that payment gateways are also available in different types. Starting with 3D types of payment gateways in 2001, the fintech market innovated further towards the 2D type by 2010. Here’s the difference between the two types of gateways and how each of them works.


Typically, when an online purchase happens, a customer is met by the following steps from shopping procedure to the completion of the payment.

  • Customer purchases a product from an e-commerce website or any other seller sites.
  • The next step is customer’s redirection to the shopping bag which is meant to enable the customers to check all the products they have bought and simultaneously bears a checkout option.
  • On clicking check out, the customer is redirected to the payment page, which asks the customer to enter their credit or debit card details.

The last step wherein the customer is redirected to the payment gateway, is the one that distinguishes the two types of gateways. In case the payment gateway is 3D type, after entering their card details, the customer is redirected to the OTP page wherein they have to enter a one-time password sent to their registered mobile number. On the other hand, if the payment gateway is 2D type, the payment is completed instantly as the customer enters their card details.


With the markets becoming more aware of the fact that customer orientation is the key to a successful business, 2D payments evolved. A very simple advantage of 2D gateways over the 3D gateways is their customer friendly nature. As is apparent from the way the two kind of payment gateways work, 2D type appears to have a more user-friendly interface.

With the customer payments getting completed only in a single step, 2D payment gateways facilitate faster and easier payments after checkout. Apart from the speed and ease of payment, a 3D payment gateway may require the customer to keep their mobile phones available while making the payment, which is not the case with 2D gateways.


If your business is in the nascent phase or you are a seller looking for a payment gateway, below is a list of documents that you may require to get a payment gateway for your business. First and foremost, you need a certificate of incorporation, which certifies that your company has started functioning according to the Company Act, 2005.

You may also need a certificate of Incumbency, which shows that your firm still exists in the marketplace and is functioning operationally. Apart from these, your Visa and passport details are required for the registration of payment gateway in the name of your business account.

Yet another important aspect of a purchase is the price of the product or service that you are buying. In India, the price of purchasing a 2D payment gateway account is 1 Lakh INR. However, there are some providers that sell it cheaper than this price.

A 2D payment gateway is an evolutionary product over 3D payment gateway as it has evolved with the evolution of customer focused approach of firms in the marketplace. It is more customer friendly and allows them to make easier and faster payments than the primitive 3D gateways.

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