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I am a Google Analytic and Google adword certified professional & Google Tag Manager with over 10 years experience.
Referral exclusions
Referral traffic is the segment of traffic that arrives on your website through another source, like through a link on another domain. Analytics automatically recognizes where traffic was immediately before arriving on your site, and displays the domain names of these sites as the referral traffic sources in your reports.
A payment gateway is a service through which you can accept credit/debit cards and other forms of electronic payments on your website. PayPal is an example of payment [login to view URL] a customer leaves your website to make payment via a third party payment gateway and later return to your website from the gateway website, Google Analytics often attribute sales to the payment gateway instead to the original traffic source. This is quite common in case of PayPal. You can often find [login to view URL] appearing as a top referrer in Google Analytics Referral report:
Thanks
Margub