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What is Payment Gateway APIs and How It Works

Do you know what is the payment gateway? and why is it important? Well, Payment gateway a way to facilitate online financial transactions and it is application service provider that authorizes credit card or direct payments processing for e-businesses, online retailers, bricks and clicks, or traditional brick and mortar. It has an APIs. Then we will discuss Payment Gateway APIs here.

Payment Gateway APIs

It  is a type of technical communication between servers, and a payment API refers to technical calls that enable the processing of a transaction.  API specifies how software components should interact. APIs are used when programming graphical user interface (GUI) components.

A payment gateway API integrates with your existing digital processes to connect your company’s checkout system to a payment acquiring network. It’s an alternative to the hosted checkout pages traditionally used by eCommerce businesses, allowing customers to make purchases from you without leaving your website to process payments.

It has many advantages :

  • business can interact with customers in more than one place. 
  • business will have real-time purchasing data to inform smarter marketing decisions.
  • business can offer customers a wide variety of payment options.
  • Customer data remains safe and secure.
A payment gateway API integrates with your existing digital processes to connect your company’s checkout system to a payment acquiring network.
  • Hosted payment gateways. 
  • Self-hosted payment gateways.
  • Seamless checkout.

When Developer start to implement an payment gateway API, he should put into consideration these things:

  • A current/modern design.
  • Security.
  • Richness of functionality.
  • Ease of use.
  • Thorough documentation.



It allows developers to access the functionality of Stripe. Stripe is a service that allows users to accept payments online, specifically developers. With the Stripe application, users can keep track of payments, search past payments, create recurring charges, and keep track of customers. The Stripe payment API for developers gives access to methods for:

  • accepting payments.
  • managing subscriptions.
  • tracking user accounts.
  • and sending invoices.

Noodlio Pay

It is an easy, straightforward solution for accepting payments on your website, in your app, or elsewhere on the web. Noodlio Pay is a simplified and streamlined wrapper for the Stripe API.


Build customized solutions that accept payments (online, in-person, or in-app), manage products and customers, and handle the day-to-day operations that keep business running. Square APIs are powerful, secure, reliable, and free to use with support in Australia, Canada, Japan, the United Kingdom, and the United States. Square has two major API divisions:

  • Square Stand, which is used mainly for online payments.
  • Square Reader, which interfaces with cell phones and other mobile devices.


These APIs use HTTP methods, a RESTful endpoint structure, the OAuth 2.0 protocol, and JSON-formatted payloads. Use REST APIs to incorporatePayPal functionality into your web and mobile apps. Note: PayPal offers Name-Value Pair (NVP) and Simple Object Access Protocol (SOAP) APIs for legacy integrations.


These are web pages hosted by Adyen that can be integrated with an ecommerce site to provide payment functionality. In this case, a shopper is redirected from a merchant’s site to the hosted payment page provided by Adyen. This helps merchants greatly reduce their scope of PCI compliance.

It is an online payroll solution designed to streamline and simplify payroll processes and related workflows of India-based businesses and organizations. It comes with a neat and intelligent dashboard accompanies by a wizard to help users perform their payroll tasks effortlessly. Paybook Sync is an API that connects:

  • bank accounts.
  • government agency accounts. 
  • utility accounts.


It is a payroll system that caters specifically to Australian businesses.


It  is a payment solution platform that enables online businesses to accept payments on their websites within a very short time. Paymill is an API for accepting credit card payments. Catering to European businesses, it permits accepting payments from customers all over the globe

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