Payment integration basically starts with a payment gateway, which is technology that connects the website or e-commerce platform to payment resources such as credit card processors and financial institutions. Think of the gateway as the point of sale terminal.
Robust Cyber Security
While it’s possible for a business to configure their own payment gateway, that involves using computer code to build an application program interface (API). They’ll also need to pass an Attestation of Compliance test. This confirms that the system is PCI-compliant. When adapting a website for integrated payments, make sure to also deploy powerful encryption and tokenization tools to improve security. Last but not least, the gateway needs to be tested before launching, to verify that it works in a speedy and error-free way. That’s not just for smooth customer service, but also because websites that integrate their own payment software can be a prime target for cyber criminals.
Turnkey Options and Solutions
That whole DIY process of setting up integrated payments can be complicated and may invite unwanted risk. But those headaches can all be avoided, thanks to modern advances in turnkey technology. Today it’s possible to simply engage the services of a qualified and tech-savvy payment processing vendor. They can offer affordable turnkey solutions that require no special training, technological know-how, or extra equipment and infrastructure. But it is wise to shop around for a capable and reliable payment system partner, to find the right one who offers the specific features that the business wants and needs.
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That includes desirable options such as automated surcharging technology, which enables a business to process credit card transactions without paying any merchant fees. Security is, of course, absolutely vital. So is ease of use and intuitive navigation, which eliminates any unnecessary, frustrating steps in the payment process. The best systems can handle multiple transactions simultaneously, for numerous online and offline sites, including secure cloud back-up. They also accept all forms of payment including mobile payments and those transacted in foreign currency. Other customer-centric options for integrated payments include “pay now” buttons and subscription-based and recurring payment capabilities.
Service and Sustainability
When selecting a payment processing vendor, customer support is also critical. They should offer pre-installation advice and design consultation, followed by responsive 24/7 technical support. When integrating a system, it’s also extremely important that it can grow with the business. A system that’s not scalable may wind up being unsustainable. That can cause time-wasting, expensive headaches once the business outgrows the system and has to switch to a better one. So partner with a provider that stays ahead of the curve and offers access to emerging payment system technologies and innovative solutions.
A Completely Centralized Payment Platform
An impressive example of that kind of all-in-one technology is the platform called Converge. This single powerhouse can manage all of the transaction activity for as many e-commerce sites, brick-and-mortar locations, or payment terminals a business operates. Level III processing is available, and so is the reassurance of up to a quarter of a million dollars worth of Card Data Breach Reimbursement Assistance.
With these insights and tips in mind, it’s much easier to choose a first-class integrated payment system for any business website, whatever kind of business it happens to be.