You will need to open a merchant account with your bank to be able to access their payment gateway. Most of the big banks provide their own payment gateways.

More often than not, banks charges per transaction are significantly cheaper than other payment gateways, such as PayPal and Stripe and if you are doing a lot of transactions on your e-Commerce site this may be the best solution for you.

They are often a little more complicated to set up but banks will provide good support staff to help you or your web designer out.