Payment gateway integration requires a little bit of work. It is a software application that needs to be stored on your server. This means that you may need a little more bandwidth and/or disk space. Check the requirements of the payment gateway to make sure that your current hosting package will be able to handle the increase in technical requirements.
Another thing you will need to do is make sure that the payment gateway is compatible with the programming language used on your ecommerce Web site. Check to find out whether you are using one of the following:
- JAVA
- ASP or ASP.NET
- Perl/CGI
- PHP (rather popular)
- Visual Basic .NET
Make sure that your payment gateway uses the same language as the rest of your Web site, so that they fit together well. Additionally, you will need to find out what sort of fees and costs are associated with payment gateway integration and service.
It is usually a good idea – if you are not particularly savvy yourself – to have help integrating a payment gateway. There are many payment gateway services that can help you set things up and get started, but if you want something that is a little more customizable, it is a good idea to get professional programming help. When looking for a programmer, here are some things to look for:
- Professionalism: Make sure that the programmer does professional work, and that he or she takes you through the process and clearly explains what is needed.
- Honesty: Get a price quote in writing, and ask for a list of what is needed. Shop around and compare different offers.
- Price: You want to shop around, but be wary of lowball offers. Make sure you are getting quality. Sometimes, you get what you pay for and that can be a bad thing if you haven't paid very much.
- Quality: Ask for references and ask for Web addresses of sites the programmer has worked for. You can also Google the programmer or check with the Better Business Bureau to see if there have been any serious complaints. You want to make sure you are getting the best quality you can afford.
- Service: Find out what sort of service is offered. Do you get upgrades with a monthly services and maintenance fee? Also, note whether or not the programmer is helpful and timely in answering questions.
In many cases, it can be easiest to have your payment gateway integrated by your ecommerce Web host. This way, you know that the gateway is compatible with your site, and your payment gateway costs can be rolled into your hosting service fee. Just make sure you understand whether or not a service upgrade is required when you add a payment gateway to your ecommerce Web site.
Types of Payment Gateways
The Payment Gateway is needed to be acquired by the owner of the site and the integration of the same in to the website is performed by us. There exists various types of Payment Gateways, some of which are mentioned below & since it requires varying amount of effort in integrating; so cost for integration of each Payment Gateway varies accordingly, starting from the minimum amount of Rs 5000/-
Payment Gateway Process
Working of Payment Gateway
Though it may sound simple but actually the entire working of a payment gateway comprises of multiple complex steps; a brief of which is given below: -
- Visitor places the order on the website and it is sent to the merchant's web server in encrypted format. This is usually done via SSL (Secure Socket Layer) encryption.
- The transactions details are then forwarded to the concerned Payment Gateway.
- The transaction information is then passed on to the merchants acquiring bank by the Payment Gateway.
- Merchants acquiring bank then forwards the transaction information to the issuing bank (one that issued the credit card to the customer).
- Then the card issuing bank sends a response back to the Payment Gateway. The response includes information that whether the payment has been approved or declined. In case of declination the reason is also sent in the response.
- The response is then forwarded by the Payment Gateway to the merchant's server.
- At merchants server the response is encrypted again and is relayed back to the customer. This allows the customer to know that whether the order has been placed successfully or not.
- The entire process typically takes less than 5 seconds. At the end of the bank day (or settlement period), the acquiring bank (or card issuing bank) deposits the total of the approved funds in to the merchant's nominated account.
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