ECHO is the only company on the market to provide a Free Payment Gateway with your Merchant Account.  We actually give away our real time processing software modules and gateway access. 

Whether you are looking for a turnkey solution, or want to develop your own, we have what you need at the best prices on the market. Not only can you find complete solutions from ECHO or our affiliates, but also you can get the free software you need to create your own applications that do real time transaction processing! 

Our gateway and software also run electronic checks. Or just do a “check verification” in real time. We process check transactions as ACH items and offer complete online ACH Reporting and a Virtual Terminal for checks. 

* Plus Transaction Fees

Free Real Time Transaction Software

ECHO has made it easier than ever to write e-commerce applications that do transaction processing in real time!  We provide you with free, open source, GPL “real time transaction processing” software modules that can be easily integrated into your applications. (These downloads and other resources are provided free of charge on our developers portal.)

We provide free processing scripts and modules in these programming languages:

  • PHP
  • Java
  • Cold Fusion
  • Perl
  • .NET
  • COM Object

MIVA Payment Module (available through resellers like  and ) and more… see 

Don’t see what you need? Let us know and we will see what we can do. 

You can also write your own commerce scripts that interface with our gateway by referring to our ECHO testing and integration guide. 

To view transactions that you have sent to the ECHO host, use our online Transaction Review link from our secure ECHO Merchant Center. 

ECHO’s Secure Payment Gateway

The ECHO Payment Gateway service is built around the same set of industry-standard, open interfaces that enable World-Wide Web communications. All transactions use the following well-defined and well-understood technologies:

  • HyperText Transfer Protocol (HTTP)
  • Secure Socket Layer (SSL) Encryption
  • Common Gateway Interface (CGI)

The ECHO Payment Gateway receives messages as if they came from a Web browser. ECHO provides the Web server. The API interface between the ISP and ECHO is the standard HTTP/1.0 (or HTTP/1.1) protocol using Secure Sockets Layer (SSL) encryption. The ECHO Payment Gateway recognizes and processes both GET and POST methods.

Transactions are broken up into delimited fields. A transaction is transmitted either in the request header for the GET method, or following the request headers for the POST method