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How to Integrate Secure Payment Gateway to Your Ecommerce Website

Choosing a secure and easy payment gateway is as essential as other aspects of an E-commerce website. Perhaps, even more, because even if your E-commerce website is impressive – your efforts will go in vain if the consumers leave without purchasing anything.

It happens a lot. Studies have shown that 69.57% of buyers leave their shopping carts at checkout. Out of these, 23% of shoppers leave because the checkout process is complex or too much information is needed. Hence, choosing the right payment gateway and integrating it into your E-commerce website becomes a necessity.

However, integrating a secure payment gateway into an E-commerce website is a different ball game. In this blog, we’ll navigate you through the process in detail. Let’s begin:

5 Simple Steps to Integrate Secure Payment Gateway into Your E-commerce Website?

Step 1: Understand Payment Gateway & Its Function

A building without a strong base is doomed to fall. Similarly, integrating a payment gateway without understanding what it is, what it does, and how it works will only lead to failure. So, we must start with the basics.

A payment gateway is a third-party service provider that facilitates online payments on your E-commerce website so that consumers can pay you on the spot. What it does is connect your website with the bank and ensure seamless payment.

Here’s how a payment gateway works:

How Payment Gateway work

Step 2: Check with Your Website Host

This step is essential because there are times when your website provider may offer payment gateway services that you can quickly integrate into your E-commerce website. This way, you can save the time you were going to spend looking for payment gateways.

So, head over to your website’s control panel and see if any payment gateway options are available.

Step 3: Research All the Options

The next step is to find a suitable payment gateway for your E-commerce website. One challenge you might face is that many payment gateways are available in the market. Choosing the right one can be confusing. But with the right approach, it is not difficult. Here are some simple steps to choose payment gateway:

  • First, check which of the payment gateways your shopping cart software supports. The support site of the software usually has that information. Paypal, Stripe, Payza, and SecurePay are some of the widely supported software.
  • Next, you can compare them based on costs (monthly fee, processing charges) and see which of them you find the most affordable.
  • Ease of integration can be another benchmark. You would want to choose a gateway that is not difficult to integrate.
  • Another important factor is to see which payment gateways follow the PCI DSS compliance. We suggest you stay away from payment gateways that don’t follow it.
  • Decide on the type of payment gateway, i.e., check whether the payment gateway is non-hosted or hosted payment gateway (whether it processes the payment on your website or redirects customers to another website for payment processing). We suggest you choose a direct gateway as it looks more professional and offers transparency in payment information.

All these factors will help you choose the right payment gateway that not only suits your budget and needs but also offers a seamless payment processing experience. You can also choose a custom payment gateway, but that will involve a lot of expertise.

Step 4: Sign Up for a Merchant Account & the Selected Payment Gateway

Next, you need to do two things. First, you need to create a merchant account that you will need to link to the payment gateway. Without it, you can’t receive payments from customers. You can open your merchant account either through the bank or the payment gateway providers.

Once the merchant account is ready, you need to sign up to the payment gateway you selected. Once done, you’ll get the necessary details that you must add to your online store software (can be a login name & password, ID, or an authentication file).

Step 6: Integrate the Payment Gateway into Your Ecommerce Website

The final step is to integrate the payment gateway into your website. For this, you need to follow two simple steps:

  • Setup Your Web Shop: Most E-commerce websites use third-party software for creating a web shop. It creates order pages and a code for payment transfer to the gate. Creating this code is a big challenge. That’s why it’s wise to use third-party software instead of doing it yourself.
  • Add Payment Methods: You can do it from the admin page of your E-commerce website. Here, you need to enter what payment methods you intend to accept. Which type of cards will be accepted depends on the payment gateway.

The process of payment integration may also slightly differ from service provider to service provider. Better if you consult the support page of the payment gateway service provider you are choosing.

Step 7: Test the Payment Gateway Integration

Finally, the most crucial step is to test whether the payment gateway is working. Otherwise, your entire efforts will go in vain.

A payment gateway service typically provides test accounts to perform fake transactions and see whether it is working correctly. Make sure you don’t forget to test the payment gateway before you push it live.

Note: The process of testing will differ from service provider to service provider. You can consult your payment gateway service provider’s support page to know how to test your payment gateway integration.

That’s all. Once you have integrated the payment gateway into your website and it’s working properly, you can start making payments. Hopefully, the guide offered you all the insights you needed. If there’s anything we can help you with, please let us know in the comments.

James Wilson

James Wilson is a seasoned Content Writer at Net Solutions, New York, for ten years with an expertise in blogging, writing creative and technical copy for direct response markets, and B2B and B2C industries. Born and brought up in New York, James holds a bachelor’s degree in English Literature. He has worked for industries like IT, software product design and development, Lifestyle, and written some great insights on technologies like user experience design, mobile app development, eCommerce, etc. Besides his technical background, he is not very disconnected from the digital in his free time – he loves to binge-watch Netflix.

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