Purchasing high end luxury brands from the branded online shopping portals were a challenge and a distant dreams for the commoners those who hail from the middle income group. Now, even the common man who hails from an ordinary family and draws normal salary is able to purchase high end luxury brands such as furniture, cosmetic items and apparels. Thanks to the credit and debit cards which made this possible. Understanding the demand for their products the branded companies have upgraded their payment gateways immaculately with the guidance and support of merchant processing companies those who specialize in these types of services. Web designing and development companies those who are focusing only on design and development are now showing great interest in learning many things about advanced merchant processing tools. Without Merchant Processing tool the companies will not be able to accept credit or debit cards from the customers. Payment gateway acts somewhat like a POS which is placed in the premium retail outlets where the customers’ swipes the card in it and punch in the pin number. Payment gateway is a virtual tool which allows the customers to punch in their credit card particulars and passwords. The customers feel very comfortable with the system and purchase lots of products using credit cards.