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Elevate your business today! Payment Gateway Integration for smooth online transactions. Our guide simplifies the process effortlessly.
Mobile businesses are booming, but secure and efficient payment systems are important for success. Integrating payment gateways seamlessly into apps and websites ensures smooth, secure, and convenient transactions for both businesses and users. This eliminates concerns about digital transactions and fosters a trustworthy, frictionless shopping experience, driving growth in the age of online shopping.
Payment Gateway Integration refers to the process of incorporating a third party service into a website or application to handle financial transactions securely. This exchange primarily occurs between merchants and customers, ensuring the safe transfer of funds from users to merchants. The paramount objective is to maintain the security of all financial data, safeguarding it against potential hacking or attacks.
Payment gateways act as secure middlemen for online transactions, letting users pay easily and merchants receive payments safely. They encrypt data, process payments instantly, and offer various payment methods. Integrating one into your app is crucial for a smooth, secure, and versatile payment experience, boosting user trust and business success. Trustworthy service providers like EverExpanse can help ensure a secure and seamless integration.
A hosted payment gateway operates as a third-party intermediary, requiring customers to temporarily leave your website to complete a transaction. The customer is redirected to a payment gateway web page to input their credit card details and upon completion, they return to the merchant's site for finalizing the transaction.
Seamless payment processing handled by the service provider.
No need for PCI compliance, simplifying integration.
Integration guides readily available on vendor websites.
Limited control over the hosted gateway.
Potential trust issues with third-party payment systems.
Redirecting customers may impact conversion rates and branding.
Integration: Typically, integration involves following the integration guides provided by vendors, often
through an API.
Best Fit for: Small or local businesses comfortable with external payment processors.
The Direct Post method is a technique where sensitive payment data is sent directly from a customer’s browser to the payment processor’s servers without passing through the merchant’s server. It enables customers to make purchases without leaving the merchant's website. PCI compliance is not required, as transaction data is immediately posted to the payment gateway upon the customer clicking the "purchase" button.
Retains customization options and branding capabilities.
No PCI DSS compliance needed.
All necessary actions performed on a single page.
Limited security compared to integrated payment gateways.
Integration: Involves setting up an API connection between the shopping cart and the payment gateway.
Best Fit for: Businesses of all sizes seeking a secure, on-site payment experience.
An integrated payment gateway involves no third-party intermediaries during the payment checkout stage. It refers to the approach where customers stay on the merchant’s website throughout the entire payment process, including entering their payment details. Companies opting for integrated gateways attain PCI DSS compliance, taking responsibility for storing, securing and verifying each transaction.
Full control over transactions on the website.
Customizable payment system tailored to business needs (flexibility in customization).
Potential source of revenue for merchants becoming payment service providers.
Requires PCI compliance, with associated infrastructure and expenses.
Integration complexities for adding custom functionality.
Integration: Non-hosted payment gateways are integrated via APIs to the server, necessitating an
engineering team for implementation.
Best Fit for: Medium and large businesses emphasizing branding and user experience.
Understanding the process of money transactions within a mobile app and website through payment gateway integration involves various steps. The payment processing encompasses several tools and financial entities to ensure completion. Below is an overview of the payment processing flow, offering insights into each stage
The customer initiates the process by selecting the desired product and entering necessary information, such as card details and CVV, to facilitate the transaction. Transaction data is encrypted and secured to prevent unauthorized access. The merchant server receives the data through a secure SSL connection.
Merchants transmit transaction data to the payment gateway via another secure SSL connection. The payment gateway stores this data in the form of tokens for future reference.
Acting as a third-party intermediary, the payment processor links the merchant's account with the payment gateway. Facilitates the exchange of data between the payment gateway integration and the merchant's account, with the payment processor forwarding information to the card network.
Card networks, such as Visa and Mastercard, play a crucial role in passing transaction data to the issuer bank.
The issuer bank evaluates the request received from the card network and either approves or rejects it. Sends a transaction status code back to the payment processor.
Receives information about the transaction status from the payment processor. Communicates this data to the website.
The customer receives a notification with the transaction status through the payment system. The merchant observes the funds transferred to their account within a few days.
Integrating a payment gateway into your mobile application or Website can significantly enhance the user experience and provide a secure and efficient transaction option.
Begin by evaluating your company's requirements. Engage with stakeholders to gather data and identify the necessary features for your app's payment system. Address potential conflicts, regulatory risks and devise solutions for a smooth online payment experience.
Plan your project by defining the budget, timeline and deliverables. Establish clear objectives and key performance indicators (KPIs) to guide the development process and ensure a successful integration of the payment gateway.
Based on your needs and payment gateway type (hosted, self-hosted, API-hosted or local bank integration), design the payment system for your app. Define features and architecture for a custom payment gateway that aligns with your project goals.
Explore available technology tools and frameworks that match your designed payment gateway. Select a tech stack that best suits your requirements, ensuring compatibility and efficiency in the integration process.
Develop the custom payment gateway according to your design and plans. Create features and elements that define your payment system. Conduct thorough testing to identify and rectify any errors or bugs, ensuring a smooth and reliable payment gateway integration.
Collaborate with service providers like EverExpanse to receive ongoing support and maintenance. Benefit from their expertise to address evolving needs and demands, ensuring your payment gateway remains cutting-edge and effective.
By following these steps, you can successfully integrate a payment gateway into your mobile application, providing users with a secure and seamless online transaction experience.