How to integrate a payment gateway into a website?

Payment gateways are one of the most important and necessary things for an e-commerce website or online store. It helps you do transactions with your customers who buy products from you. There are many payment gateways popular for their convenience and economical price structure. Some of the most popular payment gateways include:

In this article, we will discuss how to integrate a payment gateway into a website?

Before integrating a payment gateway, firstly you need to know about the types of payment gateways, and which suits you best according to your need.

In general, there are two types of payment gateways:

These types differ based on execution time, fee structure, security, and other related stuff.

Hosted payment gateways are hosted on another website. It means that it will take you to another website to complete the transaction, and redirect your customers to your website back once the transaction is completed. Hosted payment gateways are not famous or liked much by people who use to purchase products online. When the payment gateway takes them to another website to complete the transaction people often get distracted and lose the trust of your business. But they are secure and easy to integrate into your website. Paypal is one of the best payment gateways and it’s a hosted payment gateway.

Non-Hosted payment gateways are those who easily get integrated into your website. It will do every transaction on your server without redirecting it to somewhere. But the disadvantage of a non-hosted payment gateway is that it will store all credentials of your customer like card info and other stuff to your website. If your website faces any hackers attack you will lose all that data.

Depending upon the nature of transaction and payment gateway there are seven types of transaction, which can happen on a payment gateway:

General transaction in which your customer pays you for what he purchases. The amount from his account will be transferred to your payment gateway. Once the transaction is authorized you will receive money.

Authorization transaction happens when the delivery of the order or the dispatch of the parcel is bounded with some date, in that case, the amount is authorized for settlement in a future date. Once the process is finished you will receive the payment.

This transaction type is linked with the authorization transaction. If you want to settle the amount previously blocked during the authorization transaction. This transaction refers to capture transactions.

If the amount, which needs to be settled with a capture transaction isn’t settled then the amount will be unlocked and the amount will be free for your customer.

The transaction which was declared as void, then the amount associated with that transaction will be refunded to your customer and called a refund transaction. In other cases, if you double charge your client or cancel any transaction the transaction made in that case is also called a Refund.

When your customer appeals to pay him in case he was overcharged or he didn’t receive the order or in case of friendly-fraud. The transaction will be called a chargeback.

Similar to refund you will pay any extra charged money back to your customer or any other amount you charged previously exceeding the billed amount will be called credit.

Once you choose the payment gateway you want for your online store. You will purchase the gateway. secondly, you will need to sign up for the merchant account. Where you can see all the transactions and other related stuff. Once you fulfill all requirements necessary for your payment gateway and acquire a payment gateway you are all set up to integrate that payment gateway into your website.

Once you select and purchase the payment gateway you need it’s time to integrate it into your website.

The integration process is very simple and just takes a snap to get completed. Once you have your payment gateway you just need to follow 3 simple steps to complete the integration process.

People often purchase online stores from website creators and customize their needs. What we will discuss about your online store is only the page about the transaction and where you have your payment gateway works. It is always recommended that you get it done by professionals to make it work great.

Once you have your page ready it’s time to add a payment method. It will be done through the recommended plugin concerning your payment gateway. Moreover, the selected payment method will be submitted concerning the services you have purchased from your payment gateway lender. Select it as Visa Card or MasterCard based on the service you avail from the payment gateway.

Once you get done with page creation and adding payment method it’s finally time to check how the payment gateway works. Payment gateway providers provide sandbox accounts to do fake transactions to check whether the gateway is working correctly or not. It is important to check your gateway before making your store live.

The most time-consuming part of the integration of payment gateway to a website is research for the gateway you need. The integration of that payment gateway is very easy and swift. It is always recommended to refer to any professional or person who has used payment gateways to get a better decision for your online store. We wish you the best of the luck for your business and hope you find this article helpful for your business.

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