secure payment
A payment gateway is a interface between buyer and seller. It is used to buy something online and make payment through online. Before application redirects customers to a third-party payment service provider or a credit card processing company. And now using programming we can integrated within the merchant’s website. It does not redirect customers to a third party. Nevertheless, the most popular method is third-party processing because customers can trust the well-known players in the market.
It should have certain features to ensure that the customer’s experience is pleasant and convenient. If the application is slow and the processing time is long, it can be a turnoff for customers. Typically, a customer will not stay on a site for more than 20 seconds if the application doesn’t load quickly. Moreover, if the payment gateway is not available for a few hours, shows a run time error, or has downtime problems, then it can act as a deterrent. Here are some of the features that a payment gateway must possess. Look for these factors before choosing a service provider.
Secured server: It should be reliable. It must use SSL (Secure Socket Layer) encryption while processing a customer’s payment. This ensures that the personal information of customers is kept confidential and is not misused. For instance, credit or debit card details, names, addresses, contact details, etc. are critical information and should not be sent to other servers. The information should not be accessible by hackers.
Shopping cart compatibility: It should be compatible with the shopping cart interface used on the website. It is advisable to consult the technical team or web developer to check compatibility.
24 X 7 access: Customers can visit a website at any time of the day or night. Unlike a retail store, an online store does not open or close. Shoppers can shop at any time. Hence, it is important that the payment gateway be available 24 X 7 for processing payments.
Fraud prevention utility: It should have the right tools to protect fraudulent transactions online. Two of the basic fraud prevention tools include Address Verification System (AVS) and CVV2.
User friendly:It is important that the payment application is easy to use. It should not be complicated or complex. Simple and easy-to-understand prompts work best. It should give real-time information instantly so that the customer knows if the transaction is processed or not.
Speed:The application for making payments should be quick and fast. If the page takes too much time to load, the customer may switch over to some other site and never return. It means loss of business.
It is important to select a payment gateway carefully. It should be loaded with the above-mentioned features. An application that does not possess these features, it is no good. Do not compromise on the quality of a payment gateway. It can directly affect business.
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