The retail sector is undergoing a major transformation driven by digital. Technology is changing the way people shop, as well as how retailers operate. E-commerce presents future of business that we know today, with rapid growth of online/mobile payments each year. Payments Gateway Solutions Pvt. Ltd. is an e-commerce application service provider service that authorizes credit card payments for businesses and facilitates the transfer of information between a payment portal (such as a website, mobile phone or interactive voice response service) and the Front End Processor or acquiring bank.