Is Chargebee a gateway?

This article also covers

How does Chargebee process transactions? What is the processing fee for credit cards? Why do I need a gateway with Chargebee? Does Chargebee settle my funds, where is all the money that has been collected from my subscriptions? Does Chargebee handle my payouts and which payout methods are available?

Role of Chargebee in processing card payments

Chargebee places itself between your website/web app and the payment gateway you use.

The process related to the payment flow works as follows:

Customers subscribe for a service through your website by entering their card details on the checkout page (The checkout page can either be hosted at your website or at Chargebee).
Chargebee forwards the card details to the payment gateway for processing.
The gateway passes the secure information to the processor of the merchant bank which in turn passes it on to the credit card network (MasterCard, Visa, etc.).
The credit card network then routes the transaction to the card-issuing bank.
The issuing bank authorizes the transaction based on certain factors like sufficient funds, the expiry date of the card etc. and then conveys the result of the transaction to the card network which in turn relays the results to the merchant bank processor and finally to the gateway.
The gateway then delivers these results to Chargebee. In case of success, Chargebee displays a success message and records the transaction details. In case of a failure, Chargebee displays a corresponding error message.
If the transaction is successful, the funds are settled to the merchant account and after a few days transferred to the business bank account of the merchant by the payment gateway

Note:

Chargebee is not a payment gateway. Instead, we are a revenue growth management platform designed to help businesses manage complex billing and subscription workflows. Our platform also provides detailed reports for operations and accounting, supports revenue recovery, and aids in churn management. We integrate with payment gateways, working alongside them to streamline and enhance your payment processes. Here's is a list of payment gateways we support, categorized by country.
Chargebee does NOT handle fund settlements or payouts. The payment gateway directly manages the settlement process with the merchant. Hence, Chargebee does not support any payout methods and also does not levy a processing fee on any transaction irrespective of the customer's payment method (such as credit cards, etc.)