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Payment Gateway

Online payments have become a part of our daily lives in no time. We’re transacting online not only through debit or credit cards but through numerous other modes like UPI, netbanking and wallets as well.

Paying online is a fundamental feature that every e-commerce platform in the world offers. And they can provide this facility by integrating with a payment gateway.

Online payments are swift and convenient. They allow you to buy products and services from all over the world. If you are a seller, you can sell to anyone in the world with a decent internet connection. Your customer doesn’t even need to have a computer; a smartphone is enough.

What Is a Payment Gateway?

The payment gateway is an e-commerce application that enables payments for e-businesses, online retailers, etc. It is the virtual space of a physical point of sale terminal. Payment gateways encrypt sensitive data, like credit card numbers, to ensure that information passes securely and the uninterrupted way between the customer and the merchant.

An online payment gateway (PG) is a tunnel that connects your bank account to the platform where you need to transfer your money. A PG is a software that authorises you to conduct an online transaction through different payment modes like net banking, credit card, debit card, UPI or the many online wallets that are available these days.

A PG plays the role of a third party that securely transfers your money from the bank account to the merchant’s payment portal.

How a payment gateway works?

A payment gateway focuses on securing the sensitive information given by the user throughout the process. It ensures security by encrypting data like card and bank details that have been provided by the user.

The following are the basic steps showing how a typical payment gateway works.

01

STEP

A customer places his or her order and then presses the Submit or Checkout button, or its equivalent button, on the website.

02

STEP

Once this happens, the website or the e-commerce platform takes the customer to a payment gateway where he or she enters all the relevant information about the bank or the card they are using to pay. The PG then takes the user directly to the page of the issuing bank or a 3D secure page, asking for the transaction to be authorised.

03

STEP

Once the payment gateway gets the approval for the transaction, the bank then checks whether the customer has sufficient balance in the account to make this transaction a success or not.

04

STEP

The payment gateway sends a message to the merchant accordingly. If the reply from the bank is a "No", then the merchant subsequently sends an error message to the customer, telling them about the issue with the card or the bank account. If the response is a "Yes" from the bank portal, then the merchant seeks the transaction from the bank.

05

STEP

The bank settles the money with the payment gateway, which in turn settles the money with the merchant. Once this process is completed, the customer gets a confirmation message of the order being placed.

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