How to Integrate a Payment Gateway into a Website
These days, almost everyone has heard of or is familiar with payment gateways. There are some people however who regard eCommerce platforms as huge, difficult and hard to maintain. We’re here to tell you that that couldn’t be further from the truth.
We don’t deny that setting up the platform from the ground up is a complex procedure, everything from adding to cart to checking out and paying online involves a technical process that requires the uses of various technologies.
However, carrying it out on your website or maintaining it, should not be a complicated affair. If any part fails, all you have to do is replace it with a well-functioning one.
What Does A Payment Gateway Do?
Similar to the POS available at supermarkets and convenience stores, a Payment Gateway allows websites receive payments from their customers and clients through the internet.
No e-commerce site would be complete without a way to receive immediate payments from their customers. However, issues like international payments, different currencies and conversion rates make it a challenge to acquire the payment gateway.
The security features must also be iron clad, seeing as there’s money involved. Sites with payment gateways are usually secured with SSL certificates which makes certain that your site can be accessed over https, other than Http, adding a layer of security by ensuring that the information sent to the payment gateway is encrypted while in transit.
Moreover, e-commerce sites are not permitted to handle sensitive customer’s information such as the monetary transaction, which is handled by the payment gateway. This then means that an SSL certificate is not needed to run an eCommerce site.
How Does an eCommerce Website Work
In order to understand how an ecommerce website and a payment gateway mixes with each other, you must first understand how an eCommerce website works.
An eCommerce platform can be made from a number of good readymade applications such as Magento (Linux, PHP, MySQL), and nopCommerce for platforms built on Microsoft technologies.
How does a Payment Gateway Work
Before you activate the payment gateway, you need to set up an account with the payment processor. You can register as an individual or as a business and there are usually several options for you to choose from as well as accounts with different benefits.
The payment processor will then verify your qualifications as well as your identity. You will also need to provide details to the bank account from where your payment would get withdrawn. This is done to prevent fraud.
When a customer decides to purchase an item from your eCommerce website, they are directed to the payment gateway which is secured through an SSL certificate making it safe for them to enter their payment details. It then goes on to process that information, debiting the customer and crediting the seller.
How To Integrate A Payment Gateway Into a Website
If you’re not coding from scratch, integrating a payment gateway into your website is quite easy. Nearly all the major eCommerce platforms come with a set of payment gateways that are easy to use and activate. Even if it doesn’t come with the platform, there are extensions and plugins available for you to add the payment gateway you want.
The Top Payment Gateways
Seeing just how an e-commerce site works, you also get a good idea of how the payment gateway is obtained and integrated with your site. Some of the top payment gateways currently used by e-commerce websites include PayPal, stripe, 2checkout, authorize.net, Skrill, WePay, Google Checkout.
Alpha Candy provides eCommerce solutions in Dubai. If you’d like to learn more about our ecommerce services in Dubai, call or visit us today.