Payment gateway for the site

[CarderPlanet]

In most modern online stores, it is almost impossible to process payments manually: the volumes are such that the user would rather leave than wait for the order. The use of payment gateways allows to reduce the time for processing payments, to put them on stream. The payment system is usually involved in the development of such tools, the seller only has to integrate the working script by attaching it to the site engine.

A payment gateway is a modern solution that allows online store owners to accept funds using bank cards. The system ensures the verification of information from the client, acting as a guarantor of the security of the translation for the seller and the buyer.

How the system works​

The scheme of the payment gateway service is simple. When a customer places an order, payment goes through the following steps:

1. Purchase. It involves choosing a payment method, filling out a payment form containing basic information about the client.
2. The data is sent to the payment gateway. The system receives the information entered by the buyer and hidden fields - store ID, order number, etc.
3. The gateway requests authorization by contacting the acquiring bank and the international system Mastercard, AmEx, Visa, confirming the validity of the card.
4. When working with a protected technology 3D-Secure card, the client will be on a page with a password / pin code entry form.
5. The next step, the issuing bank notifies the international payment system IPS, confirming the correctness of the information. The IPS passes the authorization to the transaction to the acquiring bank.
6. The acquiring bank receives the amount to be debited from the gateway. The issuing bank assesses whether the buyer has enough funds, sends the amount, confirming the transaction for IPS.
7. Acquiring bank, payment gateway receive confirmation by conducting a transaction. The seller learns about the successful completion of the transaction. Monetary units are withdrawn from the client's account, reaching the merchant.

Such a system provides a high level of security, almost complete protection against fraud. The main thing is to make the correct integration with the website of the online store.

Gateway components​

Standard payment gateways are made up of pages containing certain information. Let's list the elements of the system:

1. Form of payment. It is located on the pages of the online store (it can be placed separately or opened in a pop-up window). A form must be located here, the sending of which sends the store ID, the amount to be paid, and a comment to the gateway.
2. Payment confirmation. The service usually duplicates the entered data, then the buyer gets the opportunity to check his choice in the store, to confirm it. Sometimes the page contains additional options. Confirmation allows you to reject the payment, confirming it, the client agrees with all the conditions. It will be possible to change the agreement if the seller himself meets halfway.
3. Payment status. On the page, the buyer reads information about the payment process. It displays whether the payment was successful or an error occurred. If the bank refused to pay / there was a problem, it will be displayed. How detailed the error will be depends on the system being used.
4. Payment result. This page summarizes what is happening. Here, there is usually an opportunity to write to the seller, ask him to make changes to the order.

Each online payment system, bank creates its own gateway, so the pages may differ from each other. But in general, the scheme is standardized.

Integration into the site​

Integration of the online payment gateway may take place in different ways, depending on the characteristics of a particular service provider. The general algorithm looks like this:

1. Select a service provider.
2. Request instructions. The service provider provides the documentation promptly.
3. Make sure that your site and hosting support the required functionality. Usually, software is required for the programming languages Visual Basic.Net, PHP, Perl, CGI, ASP.Net, ASP.
4. Add the required script, test the work, offer the client new functionality.

Integration into the site is needed for those who want to work with a client without going to the site of the payment system. This leads away customers, the owner of the online store loses profit. However, no-hop payment requires a PCI DSS security scan to eliminate the possibility of user data theft.

Payment CMS-modules​

If you plan to set up receiving money on the site, but do not understand programming, use CMS modules. These are ready-made reliable scripts, sharpened for a specific engine.

E-commerce has changed the internet a lot. Today, the network not only communicates and exchanges information, but also makes large purchases. Payment gateways are a tool that makes it possible to ensure the security of transactions, therefore they are often used.