Merchants aren't the only ones that get compensated for their products or services. Gateways themselves serve as services, supplied by companies that manufacture or make them available. Think of gateway fees as the price of admission. Fees, like prices, vary considerably and depend on characteristics of the transaction, such as whether the purchase is conducted in store or online, selling value and the average amount of sales for the product or service in question over a week, month or year. Additionally, the type of transaction - such as debit versus credit - can affect gateways fees.