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A Payment Gateway is the equivalent of a cash counter or a collection counter at a retail outlet. Simply put a Payment gateway is a software that runs on your Ecommerce site and ensures that the money is collected from your customers and sent to your bank account.

A good payment gateway will do more than just transfer the customers payment to your account. It will:

Provide an authorization to complete the ecommerce transaction once the payment has been successfully received.

Send settlement messages to both the buyer and the seller

Maintain reports of all successful and failed transactions

Ensure that the financial transactions and genuine and prevent fraudulent transactions

How Does A Payment Gateway Work On An Ecommerce Site?

Once a customer decides to pay for the products or services that she wishes to purchase:

The order details are securely transferred from the ecommerce platform to the payment gateway.

The Customer decides and selects a method of payment which could be a credit or debit card, bank transfer or even a wallet.

Once the customer fills the payment data on the gateway, the data encrypted and sent to the issuing bank or card issuer (VISA, MASTER, AMEX etc), and a request for authentication and authorization of the transaction is initiated.

Depending on whether the authentication is successful or not the transaction is either authorized or declined by the card issuer or the bank.

This result is transmitted to both the seller and the buyer by the payment gateway

If authorized the bank transfers the money to the payment gateway.

The payment gateway then transfers the money to your account.

What Should You Look For When Selecting A Payment Gateway For Your Ecommerce Site?

No business can afford to make mistakes in financial transactions. So be careful when you choose a payment gateway.

Origin Consultants choose Payment gateways for their clients if the gateway offers:

All possible payment options including all issuers of wallets, debit cards, credit cards and of course Online Bank transfers. You never know how your customer may wish to pay.

Allows transactions in multiple currencies

Has a convenient transaction process for the buyer at the front end and the seller at the back end.

Provides instant notifications on both successful and failed transactions to customer and merchant.

Has been approved by the financial regulators, is certified, is safe, fraud proof and complies to all security and regulatory standards.

Offers a plan that is suitable to your immediate business volumes and provides for increased volumes in future.

The fixed charge and transaction fees are viable for your business

The support provided by the payment gateway team

Contact Origin Consultants to help select your payment gateway for you ecommerce site.

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