Payment Gateway Integration

4 Types of Payment Gateway Integration – Which One’s Good For Your Business?

There are different Payment Gateway Integrations, and they work differently. And all of them aren’t meant for you. You must be able to choose the right Payment Gateway Integration Services to offer your visitors a smooth payment experience.

What is a Payment Gateway?

If you have any business with a website where the visitors make payment, you need a payment gateway. It validates the card details of the customers securely.

The Gateway is like the cashier’s desk of the store. The Visitor doesn’t have to be present there physically for making the payment. It verifies each detail entered by the visitors, communicates with the banks and then tells if the payment is approved or not. The payment is deducted from the visitor’s account and is deposited to the merchant’s account.

Payment Gateway Integration

Types of Payment Gateways

Since this gateway handles the cardinal transactions on your website, you must make sure that each step of the transaction goes smoothly. There are four types of Payment Gateway Integration Services and you must pick the one that’s optimal for your website and business.

Offsite Payment

This is a simple checkout method and the very basic integration method. In the offsite payment, the gateway is incorporated as an external payment service. In this, a third party payment provider is used.

So, when your visitor clicks on the purchase option, your website redirects them to the website of another payment service gateway like PayU, Paypal, etc. And then they provide the secure transaction for your website.

If you want the easy way out, this one is your method. Because you don’t have to make your website PCI compliant for integrating this payment method. Also, it saves you the hassle of maintaining a payment gateway along with keeping you away from all the security concerns.

But it has some drawbacks as well. Your customer leaves your site for making the payment and sometimes, because of the network issues, they might not be redirected back to your website.

And there is a high possibility of someone altering the communication between you and your Payment Gateway Integration Services. This could cause you the loss of the payment.

Transparent Redirect

This method is also called Direct Post Integration. In this Payment Integration, your web server serves the form that accepts the payment details and customer information. And then, these details are sent to a secure gateway, and then all the eventual transactions are handled there.

This method maintains your branding and you don’t need to have a PCI Compliant Website for incorporating this payment gateway. However, like the offsite payment method, the transactions here are also not secured completely and can be compromised.

Onsite Payment

This method is also called Server Integration Method. This method gives you the choice of handling the payment on your website. However, the payment service provider takes care of the actual payment processing.

Everything takes place on your site but the service provider handles everything from the data collection to sending a response to the customer. And the customer doesn’t realize this. So, you can style the feel and the look of the receipt page and the payment form as well.

This improves your branding, and you get to maintain the customer sensitive data. But for this method, you need to make your website PCI compliant or alternatively, obtain an SSL certificate. And since you will be handling the details of the customers, you will need to work on the better security.

Advanced Integration

In the Advanced Integration method, there is no third-party payment gateway. You get to do everything yourself on your website from hosting the secure payment form to sending the transactions to the gateway with the SSL connection that is end-to-end. This method gives you the total control over every step of the customer’s online experience of the transaction.

Its plus point is it gives you total control, and a single connection to the gateway takes care of the entire transaction. But for integrating this method, you will need to have an SSL certificate.

What’s the correct method for you?

You should be clear about which method you want to choose. Not every technique is suitable for every website.

If you are a small private business in Dubai, you should go for the Simple Checkout Payment Gateway Integration Dubai. It is good for the Paid Subscriptions, Home-Owned Businesses, Paid Survey Forms, etc.

If you want to use the transaction workflow for improving the branding of your business, you should go with the transparent redirect method.

And if you are a medium to large scale business with a strong brand presence, you can go with the Onsite Payment integration method. The PCI compliance involves some cost, but it is better than redirecting your customers to another site.

The Advanced Integration method works best for the businesses of enterprise level. But you can always integrate this on your site if you want.

How to Integrate these Gateways?

For the Simple Checkout and Transparent Redirect, there are many plugins available with WordPress. All you have to do is insert them in your website and you are done.

The Onsite Payment method is relatively new, and hence you will not find many plugins for that in WordPress. But, you will find the APIs of the major primary providers that you can use.

And for integrating the Advanced Integration, you need certain technical knowledge, but you can look for the plugins as well. Since everything takes place on your website, you need to see that the process goes on smoothly and is secured. For that, you will need a few measures to be applied as well. Don’t merely rely on the plugins.

In Few Words

There are four types of payment gateway integration, and as I have been saying since the beginning, not every gateway is meant for every business.

Choosing the right gateway is essential for giving the visitors a smooth experience during the transaction and having them come back to you again.

A wrong gateway can not only make the transaction messy but also insecure, and you might end up incurring extra cost for nothing.

Leave a Comment