A Comprehensive Guide To Payment Gateway Integration

 4 Aug, 2021

A Comprehensive Guide To Payment Gateway Integration


One of the primary reasons that online shopping has grown in popularity is because of the convenience and security it offers in terms of payment. With payment gateways, the entire process of online shopping is seamless and user-friendly. With payment gateway integration, all kinds of transaction types are accepted, and fantastic deals, cashback, and other similar features have made shopping a breeze.

When you run an eCommerce website, you can’t function without a payment gateway. It serves as a connection point between e-commerce sites and payment processors and is essential to enable safe payment authorization. Here is a complete guide on how to integrate payment gateway. In this article we will discuss:

What is a Payment Gateway?

A payment gateway is an online payment service that is designed to make and receive payments when it is coupled with an e-commerce platform. The consumer must fill in some information, such as credit/debit card number, expiration date, and CVV, in order to make payments. Following that, the consumer makes a payment, which is subsequently transferred from the buyer’s account to the merchant’s account.

With payment gateway integration, the primary function is to approve the transaction process between the merchant and the client. It’s an important part of the online transaction process because it authorizes transactions between merchants and customers. It aids the e-commerce platform’s existence by allowing customers to make payments more easily. Furthermore, it contributes to the e-commerce platform, developing a reputation for facilitating not only speedy and safe payments but also great convenience and success. 

A payment service provider authorized by a bank can provide a payment gateway service. Credit cards are processed through a payment gateway in both online and offline establishments. It sends and receives critical data between websites/mobile devices and payment processors/banks. So, payment gateway integration is the perfect tool to handle all of your online financial operations, enhancing user experience.

How To Choose The Right Payment Gateway For Your Ecommerce Website?

An online Payment Gateway is required for every business that collects online payments or takes credit/debit card payments. It’s critical to do extensive research and choose the best eCommerce payment gateway as per your needs. Here are key factors to consider when looking for the website payment gateway integration:

  • User-experience: With payment gateway integration, it should offer one-of-a-kind and quick payment processing as well as payment customization options. It should be mobile-friendly, secure, support various transaction types, and be easy to use, allowing customers to have a smooth purchasing experience.
  • Payment Options: Last but not least, a payment gateway should provide a variety of payment methods. A consumer should be able to use whichever payment method he or she prefers, whether it’s credit/debit cards, net banking, mobile wallets, UPI, or something else.
  • Secure: Any firm that accepts payments online must have a secure transaction as a top priority. Customers must have faith in the transaction and be confident that their personal and financial information will be kept safe while transacting online. When opting for payment gateway integration, ensure that the information a customer enters is secure. PCI compliance is required for such a service.
  • Payment Acceptance Across Borders: We live and work in a global market. Multi-currency transactions should be supported by an eCommerce payment gateway.
  • Quick onboarding: Online transactions are a fundamental demand in today’s society, so a payment gateway should enable the quickest merchant onboarding possible. The costs and rates for processing and setup should be within the merchant’s budget.

Payment Gateways Integration – How Does It Function?

A payment gateway, eCommerce payment gateway can be thought of as a virtual link between a customer and an online business or eCommerce store. It’s the last step in the selling process. Payment gateways encrypt the data they transfer for security reasons. 

Here are some of the actions that payment gateways perform:

  1. When a customer puts an order, they enter their credit card/debit card/UPI information and click “pay now” or something similar.
  2. Secure socket layer (SSL) is used by the customer’s web browser to encrypt the credit card information for security reasons.
  3. Using SSL, the merchant sends the information to the payment gateway
  4. The information is forwarded to the relevant payment processor by the payment gateway.
  5. The data is sent to the appropriate credit card association by the payment processor.
  6. The credit card association assesses the request and responds to the payment processor. 
  7. The response is forwarded to the payment gateway by the payment processor.
  8. The response is forwarded to both the customer and the business through the payment gateway. Both the customer and the business know whether or not the transaction is approved.
  9. The merchant submits all approvals to the credit card company in the batch form at a later time.
  10. All accepted credit card transactions are sent to the merchant by the credit card company.

How to integrate a custom payment gateway into a website or app?

Payment Gateway Integration connects your store or business to gateway services via an application programming interface (API). Providers, sometimes known as non-hosted payment gateways, accept direct payments through your website. Customers will have a nice payment experience because they will not be redirected outside of your store. These kinds of portals are also mobile-friendly. The fact that your website is accountable for a large percentage of the security is a disadvantage. If your website is hacked, you may be subjected to a security audit. In order to support certain of the gateway provider’s functionalities, your store architecture may need to be tweaked.

The specific methods for integrating a payment gateway will vary depending on the gateway selected. There are, however, a few standard steps. If you use a hosted payment gateway, for example, you’ll need to connect your website to the gateway and obtain an SSL certificate. You’ll also need the credentials for the gateway, which include the merchant’s ID, MWS access key, and secret key. To make the payment process seem the way you want it to, you should be able to perform a lot of customizing.

If you’re going to use an integrated payment gateway, the first thing you’ll want to do is double-check your security precautions. However, you should be able to accomplish this by utilizing some of the numerous APIs and modules available. Otherwise, custom payment gateway development may be required to incorporate the payment gateway into your website. You should also ensure that your payment gateway accepts a number of payment methods and that mobile phone customers are catered to.

Best Ecommerce Payment Gateway


For eCommerce stores, PayPal is the most often utilized payment gateway. It is a payment gateway that is approved in over 203 countries. It accepts Visa, Mastercard, and other major credit cards.

Apple Pay

Apple Pay is one of the most popular contactless payment systems available. As a result, you can utilize it for your dropshipping store as well. Customers may pay with only a click of a button with Apple Pay. Visa, Union Pay, QUICPay, Master Card, American Express, all are accepted by the contactless payment gateway.


Stripe is a payment gateway founded in the United States that is available in over 25 countries. All major credit cards are accepted. It also has WooCommerce integration. It’s fantastic to use along with Facebook Marketplace.

Google Checkout

For eCommerce store operators in the western region, Google Pay is another excellent choice. Many people in the United States and Europe use Google Wallet to keep track of their finances. They can effortlessly pay with Google checkout because they shop online. This solution is not only faster than other dropshipping gateways, but it is also more dependable. Since the Google checkout deducts the least amount of money.


Currently, Authorize.net is available in over 33 countries. It is one of the most established and well-known online payment gateways. It also comes with a number of extensions that make integrating with WooCommerce stores a breeze. For eCommerce and dropshipping stores, Authorize.net provides the lowest transaction


When it comes to deciding how to create a payment gateway for a website, or how to go about payment gateway integration, look for an option that is profitable. Websites using inbuilt payment gateways are more trusted by the users. Go for payment gateway integration that:

  • Supports multiple payment methods
  • Fast processing
  • Easy to use
  • No layered charges
  • Is secure 

Looking for the right partner to develop a roadmap for complete e-commerce launch and payment gateway integration, connect with us!!

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avantis direct

this is a very good blog all doubts clear about payment gateway integration

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