Features of payment gateway integration

The purpose of this article is to discuss standard features to be considered during payment gateway selection. While people tend to look at a credit card as an ordinary peace of plastic with a magnetic stripe on it, cards can be of different types and there are many different features about cards. Based on what current and future needs are, a merchant might want to choose a processor offering payment gateway software capable of supporting these features. When cards are processed they can qualify for one of the three different levels for more information check this article.

Consequently, if a business needs, for instance, level III processing, it is necessary to ensure that it chooses a payment gateway supporting that particular feature. Some merchants operate within a specific industry with its special requirements or regulations when it comes to credit card processing. While many payment gateways support both, it is common for payment gateways and processors to specialize in one of these two types.

Therefore, it is important to analyse the needs of a business with respect to transaction types that it has to support. A business should keep in mind that the following types of transactions are only possible within card-present environment:. Other categories of cards that a business might consider supporting are gift cards and loyalty cards.

Both types of cards are rapidly gaining popularity, especially in the US, and that is why they should also be taken into account. If a business might require now or later support for either gift cards or loyalty cards, the decision-makers should keep that in mind while making a choice. In the initial article of this mini-series a health club has been chosen as a merchant example, because it requires support of a variety of credit cards and features for its operations. Due to high competitiveness of the business, a fitness club might need to be able to quickly adopt to the new industry trends, such as, for example, gift and loyalty cards.

It is desirable for a merchant to choose a payment gateway, supporting the broadest spectrum of cards and features, currently or potentially required by the business.

The more flexible and wide the spectrum of services is, the easier it is to offer and resell these services. Moreover, the ability to offer additional services, beside standard features supported by all other resellers, may provide a competitive advantage for a reseller. The more features are supported by the payment gateway, the easier the service sales process will be, and the more money can be charged for standard features retail, e-commercebecause beside them, additional ones gift card support etc will be available.

Privacy Policy Sitemap. Glossary Ask Question. Payment Gateways: Standard Features. Gateways Card processing levels When cards are processed they can qualify for one of the three different levels for more information check this article. Industry-specific features Some merchants operate within a specific industry with its special requirements or regulations when it comes to credit card processing. On the card-not-present side it is appropriate to mention such features as PIN-less debit, 3D secureonline fraud prevention.The form can be connected to a payment process taking the amount payable from a form field or from a fixed value.

The current plugin already includes built-in PayPal Standard integration and some distributions also have an add-on to connect to a WooCommerce payment process. Other payment gateway integrations can be requested as a custom development service extra fees may apply. You can optionally connect the form to a PayPal Standard payment. The payment amount is calculated based in the data selection on the calendar and price settings into the plugin.

Other payment gateways may be requested as a custom development service. Sandbox testing available. The WooCommerce add-on for integrating forms created by the "Appointment Booking Calendar" with WooCommerce products including available payment processes into the WooCommerce installation. This is a way of supporting multiple payment methods even if they're not built into the original Appointment Booking Calendar plugin. Additional payment gateway integrations can be requested as a custom development service.

features of payment gateway integration

To request a quote for additional payment gateway integration use the following link and be sure to provide a link to the gateway documentation to evaluate the work needed:.

Request a custom payment gateway implementation. Features: Payment Gateway Integration Payment integration for booking and general purpose forms. Payment integration. PayPal Standard Integration. WooCommerce Integration. To request a quote for additional payment gateway integration use the following link and be sure to provide a link to the gateway documentation to evaluate the work needed: Request a custom payment gateway implementation.

Social Youtube Facebook Twitter Blog.It will then forward the information to the acquiring bank, and finally to the issuing credit card company. The credit card company will then relay back a response that informs the vendor whether credit is available.

If so, the transaction goes through. Payment gateways may also have proactive features, such as fraud detection, and may be issued through banks as an added service. Instead, you should take your time, and pay careful attention to these considerations:. Classic payment gateways require you to apply for a direct merchant account. However, modern payment gateways allow you to use their services without one. In general, modern payment gateways are easier to set up, but have higher fees and may send your customers offsite to make a payment, which has the potential to reduce conversions.

PayPal is a good example of a modern payment gateway, while Authorize. Payment gateways like EBizCharge often advertise their encryption standards. One of these standards, tokenization, removes card data entirely, adding another level of security.

Additionally, more secure gateways lower risk and are able to achieve lower processing costs as a result. This also greatly reduces the chance of human error and offers greater reporting visibility. Some payment gateways are easier to integrate than others, though most payment gateways strive for compatibility with as many technological systems as possible to maximize their user bases. However, you may have unique needs or requests, such as linking your payment gateway to your invoicing software or another financial data management platform you use.

MyGate is an example of a payment gateway known for its speed. Depending on your business, you may require a gateway with thorough reporting features. For example, you may wish to review all transaction activity, or specifically review any chargebacks you may have gotten. Different gateways offer different formats and types of reports, so try them out before committing.

features of payment gateway integration

Some payment gateways, like CyberSourcespecialize in fraud detection. If you plan on handling large volumes, this is especially important for you. This would help you streamline your payment process, and may reduce your reliance on other platforms. Some platforms are better designed than others, and are more intuitive to learn. However, since different people have different preferences, the only way to evaluate this is to try the platforms for yourself.

Receive Payments API

Some may have better features, but will also come with an accompanying greater cost. Some platforms offer zero setup costs and zero monthly paymentsbut may have higher fees for things like chargebacks. Others will offer a flat monthly fee, with no additional fees for other types of transactions.

Your choice depends on your budget and how you expect your business to perform. Entrepreneur Media, Inc. In order to understand how people use our site generally, and to create more valuable experiences for you, we may collect data about your use of this site both directly and through our partners.

By continuing to use this site, you are agreeing to the use of that data.In this article, we will cover several payment gateways, look at their distinctive features, explain transaction types, and guide you on how to integrate a payment gateway into a website.

A payment gateway processes credit cards at online and offline stores. So if you decide to integrate payment into a website and make the user experience smooth, think of the gateway as a tool to deal with all the financial transactions online. To ensure the transaction safety and protect your website from fraud, a payment gateway encrypts all sensitive information: credit card number, expiration date, and CVV code.

The merchant sends these details to a gateway — again via an encrypted SSL connection. The payment gateway sends the information to the payment processor, which, in turn, forwards it to the card association Visa, MasterCard, etc.

The bank that issues the credit card receives an authorisation request and sends a response code back to the payment processor. The response code contains information about the transaction status approved or failed and the error code in case the transaction failed insufficient funds, etc.

It makes sense to use the authorisation transaction type if it takes some time for you to ship the products ordered online and you need to guarantee the funding by the card issuer. Capture transaction lets you capture the money that was previously authorised and send it for settlement. Sale transaction combines authorisation and capture. It will also be suitable if you sell a service membership and immediately provide the user with access.

Things happen, and if an order has to be cancelled for some reason, the merchant will need to refund a transaction and submit it for processing. Most of the time, a refund is limited to the original amount authorized and can only be applied to Sale and Capture transactions. Voids are also a bit cheaper than refunds. These gateways take your customer away from your website to complete the payment and then redirect them back once the process is complete.

They take care of transaction security and are quite easy to integrate into your website. However, you lose control of what happens and your customer might just get distracted and navigate away. If you already did some homework and read about how to add a payment gateway in a website, you must have heard about the most well-known hosted gateways are PayPal of course! In terms of security, PayPal monitors all activity around the clock and offers advanced encryption for fraud protection.

It works in every country where PayPal is accepted, easily integrates into any web-page, and comes with a detailed integration manual from PayPal.

Upon payment completion, the user is taken back to the website where they normally see an order confirmation page. The easiest option is Paypal Express Checkout integration — it adds a button on your checkout page like this:. In order for it to appear on your page, you need to add the checkout.

Features: Payment Gateway Integration

You can customise the colour, shape, and size of the button, as well as define the error codes and messages that appear when the user authorises or cancels the payment.

One great thing PayPal Express does is provide a detailed order summary with all the line items. If an order is cancelled, PayPal Express automatically refunds the amount to the user. Instead, it incorporates nicely into the look and feel of your website and lets your customers use the credit cards they have already stored in their Amazon account after they log in with their Amazon login and password.

One shortcoming though is that the cards must have a US billing address. When the purchase is cleared and processed, the tax is charged where applicable. To get started, get an Amazon Pay account and connect your website to Login with Amazon:. Then set up an Amazon Sandbox account which you will use for testing purposes.

If you run your store using an e-commerce platform, you can save yourself some trouble and go with installing the extensions. A detailed documentation is available for MagentoWooCommerceand you can see the full list of integrations with the rest of the shopping carts here.

Payment Gateways: Standard Features

It comes together with a detailed integration guide that includes code samples and testing scenarios. Stripe is simple to use and PCI-compliant. To integrate Stripe, follow the guidelines or search for a ready module if you use an e-commerce platform.It will then forward the information to the acquiring bank, and finally to the issuing credit card company.

The credit card company will then relay back a response that informs the vendor whether credit is available. If so, the transaction goes through. Payment gateways may also have proactive features, such as fraud detection, and may be issued through banks as an added service. Instead, you should take your time, and pay careful attention to these considerations:.

Classic payment gateways require you to apply for a direct merchant account. However, modern payment gateways allow you to use their services without one.

In general, modern payment gateways are easier to set up, but have higher fees and may send your customers offsite to make a payment, which has the potential to reduce conversions. PayPal is a good example of a modern payment gateway, while Authorize. Payment gateways like EBizCharge often advertise their encryption standards. One of these standards, tokenization, removes card data entirely, adding another level of security.

Additionally, more secure gateways lower risk and are able to achieve lower processing costs as a result. This also greatly reduces the chance of human error and offers greater reporting visibility. Some payment gateways are easier to integrate than others, though most payment gateways strive for compatibility with as many technological systems as possible to maximize their user bases.

However, you may have unique needs or requests, such as linking your payment gateway to your invoicing software or another financial data management platform you use. MyGate is an example of a payment gateway known for its speed.

Depending on your business, you may require a gateway with thorough reporting features. For example, you may wish to review all transaction activity, or specifically review any chargebacks you may have gotten. Different gateways offer different formats and types of reports, so try them out before committing.

Some payment gateways, like CyberSourcespecialize in fraud detection. If you plan on handling large volumes, this is especially important for you. This would help you streamline your payment process, and may reduce your reliance on other platforms. Some platforms are better designed than others, and are more intuitive to learn.

However, since different people have different preferences, the only way to evaluate this is to try the platforms for yourself. Some may have better features, but will also come with an accompanying greater cost. Some platforms offer zero setup costs and zero monthly paymentsbut may have higher fees for things like chargebacks.

Others will offer a flat monthly fee, with no additional fees for other types of transactions. Your choice depends on your budget and how you expect your business to perform.The form can be connected to a payment process taking the amount payable from a form field or from a fixed value. The current plugin already includes built-in PayPal Standard integration. Other payment gateway integrations can be requested as a custom development service extra fees may apply.

You can optionally connect the form to a PayPal Standard payment. The payment amount is calculated based in the data selection on the calendar and price settings into the plugin. Other payment gateways may be requested as a custom development service. Sandbox testing available. The WooCommerce add-on for integrating forms created by the "Appointment Hour Booking" with WooCommerce products including available payment processes into the WooCommerce installation.

This is a way of supporting multiple payment methods even if they're not built into the original Appointment Hour Booking plugin. Additional payment gateway integrations can be requested as a custom development service. To request a quote for additional payment gateway integration use the following link and be sure to provide a link to the gateway documentation to evaluate the work needed:. Request a custom payment gateway implementation.

Features: Payment Gateway Integration Payment integration for booking and general purpose forms. Payment integration. PayPal Standard Integration. WooCommerce Integration. To request a quote for additional payment gateway integration use the following link and be sure to provide a link to the gateway documentation to evaluate the work needed: Request a custom payment gateway implementation. Social Youtube Facebook Twitter Blog.The integrated payment gateway allows the users to make payments for their consumption of services based on the actual usage.

It allows the users to pay their invoice from the Usage and Billing solution.

features of payment gateway integration

Note: The payment gateway integration is a licensed feature and will not be available in the trial versions of the Usage and Billing solution. It is available for versions higher than v1.

Click next till the registration process is complete in the CyberSource registration page. A verification mail will be sent to the email id specified during the registration process. From the verification mail make a note of the Organization Id and the contact email Id in a notepad file e. Specify the details and click create.

Once the profile is successfully created the following screen appears, make a note of the Profile Id from the top of the screen in the notepad file eg. Select the type of card from the list which will be later used by the tenant to make the payments.

Once the payment gateway settings are configured it is necessary to update the CloudAssertBilling database in-order for the payment gateway integration to take effective.

These credential need to be encrypted before inserting them to the database. Write to support cloudassert. A SQL query will be sent within 1 to 2 business days. Logon to the machine where Usage and Billing database is installed. Navigate to [dbo]. Save the table. Windows Azure Pack Billing. Cloud Assert Home. Docs Home. Pricing Profiles. Steps for version update. Pricing Profile. User Profiles. Reset Usage. Other Configurable Settings.

Payment Gateway Integration. Purchasing Multiple Instance of an Addon. Microsoft CSP Integration. Veeam Cloud Connect Integration. Usage Download. Known Issues. Powered by GitBook. Enabling Payment Gateway. Configuring Payment Settings.


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