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What is Payment Gateway

Monday, June 15, 2009
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These days, I have to work on Payment Gateway Profile management in the Athiva project. I have to do some R&D on Payment Gateway. After some interesting R&D, I have now realized what is payment gateway and how its functioning. Here, I wanna share those knowledge with my readers. So What is payment Gateway? When ever you have an online payment issues, you need to have a relationship with a payment gateway. Thats mean if you wanna accept any online payments you need a payment gateway to do further processing. What is payment gateway? In a single word, Payment Gateway is a service that authorizes and processes payments for online retailers in real-time. The focused function of this payment gateway is equivalent to a physical POS (Point-of-sale). Payment gateways encrypt sensitive information, such as credit card numbers, to ensure that information passes securely between the customer and the merchant. Lets see how a payment gateways work. This is a simple diagram which illustrate the message flow in a typical Payment Gateway. A payment gateway facilitates the secure transfer of business information between a payment component and the Front End Processor or acquiring bank. When a customer orders a product from a payment gateway enabled merchant, the payment gateway performs a variety of tasks to process the transaction. The process behind the payment gateway is not simple that much. Further, there are two major types in Payment Gateway. One is Seamless and other one is Non-Seamless Payment gateway. Seamless payment gateway is one that processes credit cards directly on the online shop website without redirecting the purchasing customer to any 3rd party website. The whole transaction is seamless and takes place in real-time. Non-seamless payment gateway such as PayPal will redirect the purchasing customer to the PayPal website to process the payment and will redirect the customer back to the online shop after his has been completed. Here I have listed some of the important payment gateways.

GatewayCountryType
Authorize.net(US Only)seamless
Banco Popular (Evertec)(Puerto Rico)non-seamless
Beanstream Payment Gateway(Canada Only)seamless
Cardia Gateway(Norway Only)non-seamless
CyberSource Gateway(most countries)seamless
DIBS Payment Gateway(Norway)non-seamless
DPS(US, UK, AU, NZ, ZA, SG, MY and Pacific Islands)seamless
DPS PX Pay 3D Secure(Hosted Solution)non-seamless
EBS(India Only)non-seamless
eSec(AU Only)seamless
EWay(most Countries)seamless
Google Checkout(US & UK only)non-seamless
HeidelPay Payment Gateway(Most European Countries)non-seamless
InternetSecure Autorize Payment Gateway(CA, US only)seamless
MIGS Payment Gateway(AU Only)seamless
Mollie(Netherlands Only)non-seamless
Moneris Gateway(Canada Only)seamless
NetRegistry Payment Gateway(AU Only)seamless
Optimal Payments(CA, USA, UK and Most Countries)seamless
PayPal Standard(most countries)non-seamless
PayPal PayFlow Payment Gateway(US, CA, AU, NZ, SG)seamless
PayPal Website Payments Pro Payment Gateway(Most Countries)seamless
RealEx Payment Gateway(Ireland and UK Only)non-seamless
Safer Pay Payment Gateway(most countries)non-seamless
Sage Pay (formerly Protx Payment Gateway)(most countries)seamless
Valitor Payment Gateway(Iceland Only)non-seamless

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11 comments:

dave said...

Hi Shayanthan,

Nice article. My website has an animation that explains how an online payment works. which you might find useful. There is also a list of Payment Gateways who operate in the Irish market, some of whom you have already mentioned in your article.

Dave

Subanu said...

Dave, Thanks you very much for your usefull comments. Yeah!.. Your animation work to explain how an online payment works is really useful for the readers. Its simple and fantastic explanation.

Anonymous said...

It's not true that Heidelpay only serves most European countries, you can accept credit cards worldwide with heidelpay. I know that because we're just about to sign with them :D

phyu sin said...

We are now developing IPS(Integrated Portal System) web project
and flash games.Main module in IPS is e-learning and flash games are also for e-learning.We want to sell our e-learning Topic via Paypal payment gateway.But I do not know how should and I start and Integrate.When I visited in paypal official website,I feel confusing.

Please Kindly suggest me how should I do.If my question is not relevant to you,I am so sorry .

Thanks in advance.

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