As a consumer, when you check-out from your local store, you can swipe your credit card
through a point-of-sale device and your gas, coffee and donut are paid.
But what if you’re the retailer and your business is online? It’s not like you have a card
scanning device on every customer’s PC! There must be a way to process this information. Essentially, this is the job that a payment gateway does for online retailers. Roy Banks,
president of http://Authorize.net, a leading provider of payment gateways, describes
his company’s function as “the digital version of a hardware point of sale terminal”.
What is a payment gateway?
Payment gateways allow online merchants like eStore owners or auction sellers to accept credit card payments over the Internet. They authorize the cardholder’s credit, or they check that the customer has enough money on the credit card to cover the expenses. They then put a suspension on this amount so that the buyer can not turn around and spend the same money elsewhere before it is transferred to the dealer’s merchant account. Banks describes it as “the technology … necessary to consume a payment transaction”.
A payment gateway is NOT a merchant account.
Many people confuse merchant accounts with payment gateways, but they are not the
same thing. The merchant account services act, for the most part, as a link between
your corporate bank account and the payment gateway.
When a customer orders a product from your online business, his card is processed via
the payment gateway. The money is then transferred to the merchant account service.
The merchant account service then moves the newly acquired funds to your
corporate bank account.
3 tips for choosing a payment gateway:
1. Is it PCI compliant? This means that company security has been verified by a third party and judged to comply with industry standards. Because payment gateways store all of your customers ‘credit card information (saving you stress), it also means that you can sleep better at night, knowing that your customers’ valuable information is safe and valid.
2. Good customer support. ‘Nuf said.
3. Finally, it is important that the chosen payment gateway is integrated with the third-party solutions that you plan to use. This means things like the platforms in front of the shops and shopping carts: you want them to be compatible with your gateway.
Payment gateways will not only allow you to collect the money from your sales, many also offer a range of security features, some of which will help you avoid being a victim of fraudulent orders! In the end, they will make your e-commerce business a less stressful and enjoyable experience for both you and your customers.
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تجربة دفع رائعة للتاجر المصحوبة بمميزات التسويق الرقمي والتحليلات، حيث تتنوع وسائل الدفع الرقمي،
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