Do you want to know what payment integration type you should add to your e-commerce store? Find out the different types in this quick guide.
Payment gateway integration comes in multiple forms. And as a business, you need to know which one does the best at receiving payments for your customers. Fortunately, we’ll help explain the top 4 types of integration methods that you can use.
One of the simplest payment integration method is the “Simple Checkout Method“. For this method, the gateway is used by an external service. When customers click a “Purchase” or “Buy Now” button on the site, they are redirected to the payment service provider’s online site. For instance, they can be sent to PayPal, PayU, Authorize.Net to create a safe transaction. This is the easiest and simplest method to integrate your payment method on the site.
- No security concerns
- You don’t have to continue to maintain the payment gateway.
- Your website doesn’t have to be PCI compliant.
- The customer will have to leave the site to make the payment.
- Sometimes is open to failure because of a network error or due to a customer error
- This method is sometimes prone to the man of the middle attacks.
When Should You Use the Simple Checkout Method?
Simple Checkout is a good solution for small privately owned businesses, such as paid subscriptions, paid survey forms, or home owned business, etc.
Direct – Transparent Redirect
The second most commonly known method is the “Direct Post” method. This is where the form accepts the customer’s payment information and details are sent to the payment gateway where the transaction is completed. The customer data isn’t handled on your website.
- Your branding is maintained
- You don’t need to have a PCI compliant Website
- The transaction isn’t fully secure and might be compromised.
When Should I Use Direct Post?
Direct Post payment gateway integration should be used to improve the branding of their business during the transaction workflow.
The Server Integration Method (SIM). SIM gives you the option to utilize transactions directly onto your website. The service provider will work with the actual processing. The payment gateway handles the steps (data submission, payment data collection, and responding to customers) in a safe transaction process. But the customers are not aware of this. You can customize the feel and look of the receipt page and the payment form.
- Save customer sensitive data
- Improves your branding
- You will have to increase the security on your website because you will be maintaining your customer’s details.
- Must have an SSL certificate or be PCI compliant.
When Should I Use the Server Integration Method
Server integration needs to be used small to large businesses, and it needs to have a solid brand. While there might be some cost in being PCI compliant, it’s worth keeping your customers on one website.
The Advanced Integration Method (AIM) requires you to make secure payments on the websites, and send out transactions to a payment gateway with an established SSL connection.
Shopping cart developers tend to use this. In this method, the merchant control over the phases of your customer’s shopping experience.
- Complete control over the transaction
- Connection to the Payment Gateway only has to be made once
- You need to have an SSL certificate
When Should I Use the Advanced Integration Method?
Enterprise businesses tend to use to AIM for their marketing campaigns, but that doesn’t mean you can’t add it to your site. Use this payment integration method when you want to have complete control over the shopping process so and customize the shopping experience.
To conclude, we believe that knowing the payment gateway integration types are important in running an e-commerce business. Take time trying each payment type to see which one suits you and your customer’s needs the most.