Types of Payment Gateway Integration - A Detailed Look

Making a purchase online is no longer a novel thing. It is now natural for many consumers, however, none of that would have been possible without payment gateway integration making it happen. So how does it work?

 

Payment Gateway Integration is a process that allows companies to have a much better, seamless way to manage and perform payments. What makes it helpful is the fact that with its help you have a much better control over the way your company manages all customer purchases, no matter the medium they use for that purchase to begin with.

 

 

Why do you need Payment Gateway Integration? The reason is simple, if you want to accept online purchases you do need this type of solution and integrating one as fast as possible is a sheer necessity to begin with. With its help you have the ability to process online payments on the go and results will be very impressive all the time. The great thing here is that the credit card checks are performed automatically and the integration process on its own is usually performed within hours. You just need to work with a reliable merchant account provider and results will be great.

 

The idea is to work with a merchant account provider as he will be able to handle the entire process without a problem. All you need to have is a merchant account that has the ability to accept online payments via a dedicated payment gateway.

 

 

In general, all payment gateway integration can be condensed into four categories:

The simple checkout method is an external service and the user is directed to another sire, such as PayPal, to make the transaction.

 

This is the easiest method of integrating payment gateways into a site, but it does mean the customer has to leave the site, which could be considered a hassle, especially if there are connection issues. This can lead to a lot of dropouts.

 

Direct post method keeps the transaction on your site but sends the customer information to the secure gateway and the transaction is handled there. Customer data is not handled on your site.

 

This allows branding to be maintained and customers to stay on your site, but there are security issues.

 

Server integration method, also known as SIM, gives the option of handling transactions on your site, but a payment gateway service provider actually processes it.

 

All the forms are on one site, which aids branding, and customers are not aware that someone is handling the transaction.

 

However, this means that security will need a boost as it handles customer data. You would also need to be PCI compliant or have an SSL certificate.