Today we will talk about how to integrate the payment method to your website. Having an online business is demanding and it’s not only about offering beautiful, and amazing products or about having a great platform for your customers. Online business required a little more from you. You need to be able to offer security to your customers.
An important part of having an online is to take payments. We all now that payments are crucial when it comes to your online store. You need to have a payment gateway that can authorize and process your customers’ payments online and safely.
A gateway serves as a portal to facilitate transaction flow between customers and merchants. It uses security protocols and encryption to pass the transaction data safely.
For a customer the payment only represents a window, however, a payment gateway also means that it is a safe transaction. For your business this process involves several financial institutions, or tools, verifying the transaction data on both ends, allowing the customer to complete the purchase in a few seconds.
We will start with the basics. What you need to know is that there are different gateways and each has a different integration method.
Knowing these basic things will help you understand the process, or the process your developers will need to apply to your work.
Firstly we have a hosted payment gateway, this one acts as a third party, as it requires your customers to leave your website to complete a purchase. However, these types of gateways have some advantages.
An important benefit of a Hosted Gateway is that all payment process is managed by the service provider. Since all the payment process is stored by the vendor.
To integrate a hosted gateway you will need to follow their Integration guides and these are often on their platform. You can take as an example the PayPal Express Checkout Guide.
Direct Post method:
Secondly, we have a direct post method. This is an integration method that allows a customer to shop without leaving your website, as you don’t have to obtain the PCI compliance.
This type of payment gateway is equal to an integrated payment gateway. You get the customization options and branding capabilities, without PCI DSS compliance that we’ll discuss below. However, this method is not 100% secure for the customer.
To integrate it into your website a vendor would set up the API connection between your shopping cart and its payment gateway to post the card data.
Non-hosted (integrated) method:
In the last instance, we have an integrated payment gateway that allows you to keep the user at your website during the purchase. Non-hosted payment gateway providers allow for integrating via APIs. With this integrated method, you have full control over the transactions on your website.
To use an integrated gateway, you have to be PCI compliant first of all, because you will have to store all clients’ credit card data on your servers. Also, integrating the gateway can be tricky if you want to add custom functionality.
Non-hosted payment gateways are integrated via APIs to your server. Consequently, it will require an engineering team to perform the integration. Most vendors have well-documented integration guides, API references, or developer portals.
In conclusion, the payment gateway can be integrated by you or your team on your website. The most important thing you need to consider is security for you and your customers.