How To Manage Multiple Payment Gateways with Chargent
As businesses scale across state and international borders, payment operations must evolve. But here’s the catch: there’s no one-size-fits-all payment gateway. What works in the U.S. might not fly in Europe or Asia. Add multi-currency requirements, local regulations, and customer preferences, and you’ve got a complex payment ecosystem to navigate.
That’s where Chargent, the leading Salesforce payments solution by AppFrontier, steps in. With built-in support for 30+ gateways – including Stripe, Adyen, Braintree, Authorize.net, and more – Chargent helps you configure, manage, and optimize multiple payment gateways directly inside Salesforce. Whether you’re a Salesforce admin setting up recurring billing or a consultant designing a multi-region commerce flow, Chargent gives you unmatched flexibility and control.
What Is a Payment Gateway?
A payment gateway is the essential technology layer that securely connects your Salesforce application to the broader financial system. It acts as a digital toll booth – authorizing, encrypting, and facilitating transactions between your customer’s payment method (like a credit card or bank account) and your merchant account or payment processor.
Think of it this way: every time a customer enters their credit card details – whether in your Salesforce org, a portal built on Experience Cloud, or via an API call – that data has to be securely transmitted, authenticated, and approved by multiple financial institutions. The payment gateway handles this process in real-time, ensuring the transaction is:
- Encrypted to prevent fraud or data theft
- Authenticated to verify the customer’s identity
- Authorized by the issuing bank
- Settled so that funds arrive in your business account
Why Gateways Matter in Salesforce
When you integrate payments into Salesforce – whether through CPQ, Service Cloud, or Experience Cloud – you’re creating an end-to-end customer journey. The gateway sits at the core of that journey, ensuring seamless, secure transactions without ever leaving the Salesforce interface.
But not all gateways are created equal. Some are better suited for B2B invoicing, others for eCommerce, and others for mobile-first markets. Gateways differ in:
- Supported countries and currencies
- Card types and payment methods (e.g., Apple Pay, ACH, SEPA)
- Fee structures and settlement times
- Fraud prevention and compliance tools
- API responsiveness and reliability
That’s why choosing – and managing – the right gateways is so important, especially for Salesforce professionals overseeing national or global payment strategies.
Why Multiple Gateways?
There’s no such thing as a universal payment gateway that works perfectly for every business scenario. What may offer excellent performance and cost efficiency in one region or use case could be a poor fit elsewhere. That’s why leading organizations – especially those operating internationally or across business models – turn to a multi-gateway strategy.
Using multiple payment gateways gives your business the flexibility and resilience it needs to:
- Support global customers
- Reduce processing costs
- Boost payment success rates
- Maintain compliance across jurisdictions
- Minimize operational risk
Serve Customers Across Regions and Currencies
If your Salesforce org supports customers in multiple countries, using just one gateway can limit your ability to localize the experience. Not all gateways offer robust support for:
- Local currencies (e.g., INR, BRL, JPY)
- Regional card networks or bank schemes
- Compliance with region-specific regulations (e.g., PSD2 in Europe)
For example, Stripe might be perfect for U.S. and Canadian customers, while Adyen is better suited for European transactions with advanced support for SEPA, iDEAL, or Bancontact. In Latin America, local acquirers and payment processors often outperform global players.
By using gateway-specific configurations in Chargent, Salesforce administrators can match the right gateway to each customer’s geography or preferred currency, offering a frictionless checkout experience and higher authorization rates.
Optimize Transaction Costs
Interchange fees, cross-border surcharges, and currency conversion costs can add up, especially at scale. Certain gateways may offer:
- Volume-based discounts
- Lower fees for domestic transactions
- Optimized rates for specific card types or payment methods
With Smart Payment Routing in Chargent, you can automatically route high-value or region-specific transactions through gateways with the lowest processing costs, leading to substantial savings over time. For large enterprises or subscription-based businesses processing thousands of transactions monthly, this can mean six- or seven-figure annual savings.
Increase Authorization Rates
Payment declines are a silent killer of revenue. Banks are more likely to approve transactions that are:
- Processed through familiar, local acquirers
- Submitted in the cardholder’s native currency
- Supported by enhanced fraud screening tools
By using multiple gateways optimized for specific regions, you can:
- Reduce false declines
- Recover revenue from cross-border rejections
- Deliver a faster and more trustworthy experience for your customers
Chargent enables you to set up logic that selects the best gateway based on location, currency, or transaction amount – boosting success rates and customer satisfaction.
Ensure Business Continuity and Redundancy
Gateway outages, API issues, or compliance disruptions can happen. Relying on a single gateway creates a single point of failure, putting your business at risk.
With redundant gateway setups in Chargent, you can:
- Failover to backup gateways in real time
- Manually or automatically switch processing during downtime
- Segment risk by geography or payment type
This approach is especially critical in regulated industries or when processing mission-critical payments like insurance premiums, healthcare transactions, or SaaS renewals.
Align Gateways with Specific Use Cases
Different departments or business units may require specialized payment flows. For example:
- Your customer service team may need to process phone orders using a secure virtual terminal.
- The eCommerce team may prefer a gateway that supports tokenized one-click checkout.
- Your accounts receivable team may want to use ACH or SEPA for large B2B invoice payments.
Instead of forcing one tool to fit all scenarios, Chargent enables each team to use the right gateway for the job within a single, centralized Salesforce environment.
Maintain Compliance and Data Residency Requirements
Many regions require payment data to be stored or processed within local borders. Others mandate that businesses work with licensed payment service providers (PSPs).
For example:
- The EU’s GDPR and PSD2 impact how and where data can be stored and transferred.
- Countries like India and Brazil have strict data localization rules for financial information.
- Some government contracts or verticals (e.g., healthcare, education) require gateways with specific certifications.
By deploying gateways tailored to each regulatory landscape, you ensure compliance without introducing friction to your customers or complexity to your teams.
How Chargent Makes Gateway Management Easy
Chargent was designed from the ground up to work inside Salesforce, giving you native tools to manage every aspect of the payment lifecycle.
With Chargent, you can:
- Add multiple gateways in just minutes
- Assign gateways to specific transactions, users, or Experience Cloud pages
- Automate gateway selection using custom logic or Smart Payment Routing
- Monitor gateway performance with dashboards and logs
This level of flexibility helps you improve authorization rates, reduce payment declines, and lower processing costs – all while delivering seamless customer experiences.
Quick Setup: Add a Gateway in Chargent
Setting up a payment gateway in Chargent is straightforward and takes just a couple of minutes. Here’s a quick overview of the process:
- Navigate to Chargent Settings inside Salesforce.
- Select your Gateway Type (e.g., Stripe, Braintree, Adyen).
- Enter your credentials securely.
- Save and test the connection.
Each gateway comes with built-in configuration options and API integration guidelines. You can add as many gateways as you need – whether they’re regional, currency-specific, or use-case driven.
Pro Tip: Use Chargent’s Ready-to-Test mode to simulate transactions and test your setup without touching real customer data or funds
Quick Setup Checklist: Adding a Gateway in Chargent
- Launch the Setup Wizard in Chargent.
- Enable Tokenization (recommended for secure storage of payment methods).
- Select the currencies you wish to accept.
- Confirm the use of the Payment Console for internal users.
- Choose the card brands and bank account networks you plan to support.
- Enable the transaction types you want (e.g., Charge, Authorize, Refund).
- Select recurring, scheduled, or installment payments if applicable.
- Confirm the batch run time for recurring transactions.
- Save your configuration – repeat these steps to add more gateways.
Using Gateways in Salesforce
Once configured, you can control gateway usage across your org using Gateway IDs. Here’s how it works in different contexts:
For Internal Salesforce Users
Use the Chargent Payment Console, a powerful UI for processing payments inside Salesforce. Simply assign a Gateway ID to the transaction, or let your automation assign it dynamically.
For Experience Cloud Users (Portals or Sites)
In self-service portals or Experience Cloud Sites, the Take Payment Component allows users to make payments using a pre-set Gateway ID. You can specify this ID in your page configuration to route transactions through the appropriate provider, based on region, language, or other criteria.
This keeps the customer experience seamless while giving you backend control over payment routing.
Automate Gateway Selection with Smart Payment Routing
Want to let your system automatically choose the best payment gateway for each transaction? That’s where Smart Payment Routing comes in.
Smart Payment Routing lets you define rules that automatically select the most optimal gateway based on:
- Transaction Amount (e.g., route high-value transactions to gateways with better fraud protection)
- Customer Location (e.g., use a European gateway for EU customers)
- Currency (e.g., process USD via Authorize.net, EUR via Adyen)
This improves:
- Authorization Rates – by matching local acquirers and currencies
- Customer Experience – by minimizing declines and delays
- Processing Costs – by leveraging gateways with lower interchange fees
You can build Smart Routing using Salesforce Flows, Apex triggers, or Chargent’s native logic tools – giving you ultimate flexibility.
Start Your 30-Day Free Trial: Test Multiple Gateways Today
Chargent is ready when you are. With the Ready-to-Test feature, you can start a fully functional 30-day trial, explore multiple gateway configurations, and see Smart Payment Routing in action.
If you’re a Salesforce admin or consultant looking to streamline global payments, reduce operational overhead, and gain unmatched payment agility, Chargent is the way forward.
Start your 30-day free trial now and take control of your payments in Salesforce.
Ready to go beyond basic payments?
Contact our team or check out our documentation to explore how Chargent can power your next phase of growth.
