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How to Choose the Right Online payment Gateway for Your Business

As a business owner, especially if you run a business or are only considering an emerging company, you should know that according to the service you provide, the electronic payment gateway is necessary. This may be an online market, a web application, or a phone application, that is, your business type. If you are online, you must use an online payment gateway. In this article, we will answer the most important question is how to choose the right online payment gateway suitable for your business?

How to choose the right Payment Gateway

When choosing an electronic payment gateway for your business, consider several factors, including the following:


Network security allows your customers not to worry that their financial information will remain safe when you buy from your store. Also look for PCI compatibility, because this is critical when accepting credit cards online. E-payment gateway security list:

Each gateway has high-level encryption (encrypted 128-bit SSL encryption) to avoid all types of intrusions.
The second layer of security is the digital signature, even if the hacker gets your identity, your account is still secure using digital signatures.

After the digital signature comes to the dynamic IP addresses, if your account is used from another IP address, it will be rejected.

Data transfer

If you decide to leave your electronic payment gateway, what about ownership of your customer data (your personal data)?

Extensions versus integrated payment gates

Hosted portals redirect your customers to the payment processor platform to enter their payment information. Easy-to-configure hosted portals are great for new stores, but conversion rates are likely to hurt if customers are not familiar with the processor.

The integrated payment gateway connects to your e-commerce site via the portal’s API. The biggest advantage of this is that customers will never have to leave your store to enter payment information and submit orders.

Customer experience

Your purchase from your online store or service should be appropriate for your customers. If you need a lot of steps, a lot of time, or a lot of personal information, your customer may give up and go somewhere else. You should look for a payment gateway that allows you to accept all major credit and debit cards, in addition to merging them with all major shopping carts. What is very important, the payment gateway should be improved for mobile users also.

International acceptance

While most countries use the global market advantage, make sure that the selected online payment gateway operates internationally. Your customers may come from any corner of the globe. The selected payment gateway should allow for worldwide payments.

Business model

Check the list of companies supported by the online payment gateway you have chosen. Your job type should be mentioned.

The future

If you plan to work in more than a decade, merge blockchain workbooks such as Bitcoin and Ethereum into your store, website, or application on the Internet.


The fee structure in each payment gateway will differ from the other, so make sure it fits your budget, and that it is not excessive compared to other eBay offerings.

Customer Support

Check whether the provider provides direct technical support, not at least during standard working hours, so you can quickly resolve any technical issues.


  • Encryption. The web browser encrypts the data. The gateway then sends the transaction data to the payment processor utilized by the vendor’s acquiring bank.
  • Authorization Request. The payment processor sends the transaction data to a card association. The credit card’s issuing bank views the authorization request and ‘approves’ or ‘denies.’
  • Filling the order. The processor forwards an authorization pertaining to the merchant and consumer to the payment gateway. Once the gateway obtains this response, it transmits it to the website/interface to process the payment.
  • Delivery address verification.
  • AVS checks.
  • Computer fingerprinting technology.
  • Velocity pattern analysis.
  • Identity morphing detection.
  • Geolocation.
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