Your Weekly Dose Of Tech: How to Choose and Integrate A Payment Gateway

A payment gateway is a service that authorizes and processes payments in online and brick-and-mortar stores. A gateway serves as a portal to facilitate transaction flow between customers and merchants. It uses security protocols and encryption to pass the transaction data safely. The data is transferred from websites/application/mobile devices to payment processors/banks and back.” (an excerpt)

Direct Post method

Direct Post is an integration method that allows a customer to shop without leaving your website, as you don’t have to obtain the PCI compliance. Direct Post assumes that the transaction’s data will be posted to the payment gateway after a customer clicks a “purchase” button. The data instantly get to the gateway and processor without being stored on your own server. The user performs all the necessary action on one page (an excerpt).

For medium and large size merchants, a Payment Card Industry Data Security Standard (PCI DSS) is a necessary element for processing card payments. This security standard was created in 2004 by the four biggest card associations: Visa, MasterCard, American Express, and Discover. So, if you are going to do credit card processing or store clients’ banking data on your own server, you will have to become PCI compliant (an excerpt).

there are integration methods that use a payment gateway without storing credit card information. In this case, all the work is done by the vendor, so it doesn’t require PCI certification. For more information about PCI compliance, refer to the Altexsoft article,

Payment Gateways in India

South Asia’s biggest Payment Gateway and Merchant .

PayU is a fintech company that provides payment technology to online merchants. The company was founded in 2002 and is headquartered in Hoofddorp, Netherlands. It allows online businesses to accept and process payments through payment methods that can be integrated with web and mobile applications. Wikipedia

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