9 Apr · 8 min read
When creating a website for an online store, you cannot do without accepting credit card payments. Such payments are made through payment gateways.
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In this article, we will talk about what a Shopware payment gateway is, its main tasks, and how to choose the right one.
Lets talk about it
The payment gateway is the bridge between the sale of your product and the customer. It is the intermediary between your online store and the payment processor who receives payment from your client.
In other words, as soon as a client enters their payment details on your site, the payment gateway ensures that this data is securely sent to the payment processor.
Sending information securely between the site and the payment processor and then returning the transaction details to the site is the main component that allows e-commerce stores to function.
A payment gateway is not a payment system. It does not accept payments from buyers. Its job is to provide a secure connection between your store and the payment processor that the customer has chosen to pay.
At the same time, the gateway takes the buyer's payment details from the store's website, ensuring their safe delivery to the payment processor. In this case, the gateway is responsible for the safety of the transmitted data, for encrypting them and storing (if necessary) in the encrypted form.
By data, we mean the details of the buyer's credit cards. A priori, the safety of customer data is important and the reliability of the chosen gateway is of fundamental importance for the reputation and operation of the store.
In addition to transferring data from the store to the payment processor, data about the completed transaction is returned to the store via the gateway.
A payment gateway is a necessary element of an online store. Without it, the store will not be able to carry out its main activity, the sale of products.
One of the biggest advantages of a payment gateway is that the store owner or administrator doesn't need to know how the gateway works. The administrator's task is to select a gateway and integrate it into the store's functionality through the settings options.
However, this does not free the administrator from understanding how the payment is made using the gateway.
The gateway comes into operation after the customer has selected a product, placed it in the cart, went through the checkout forms, chose the payment system, and filled out the payment form.
After the buyer clicks the "pay" button, the gateway comes into operation. It encrypts the customer's data via a cleaned channel and transfers them to the selected payment processor. The gateway redirects the buyer to the payment terminal and does not participate in payment processing.
After completing the transaction, the payment system can send information about the payment (successful or unsuccessful) through the gateway back to the store. The customer can also return from the payment system to the store.
The payment gateway does not participate in payment processing, it only provides a secure communication channel between the store and the processor of the payment system.
When accepting payments from Visa and MasterCard, you need to consider security as an integral component, since the payment gateway handles sensitive information such as personal information and credit card numbers.
To ensure secure transactions, the gateway must support an authenticated tokenization process, which is required when accepting payments from online stores and mobile applications.
During the tokenization process, confidential data is replaced with unique identification characters that preserve all the necessary information without compromising its security.
To be PCI compliant, you have to install expensive end-to-end encryption systems on your site or find a gateway that provides a tokenization option.
Shopware 6 is a highly flexible, open-source, powerful, and scalable platform. It allows you to quickly and easily create a system of online stores. This Shopware will meet all your requirements for launching an online store.
The payment gateway for Shopware 6 with, for example, PayPal will become an integral part of the checkout process. The payment is applied to the transaction of the order. As with any reordering, this is done through a state machine. At its core, a payment system consists of payment processors that extend Shopware to support several different types of payments. A list of all payment processors is stored in the database.
Paypal's payment gateway for Shopware 5 allows you to offer direct online payments (optionally via Express Checkout), as well as installment and invoice payments.
With the PayPal plugin, you can also transfer old orders to the new orders overview module. This way, all your PayPal orders will appear in the order overview of the new plug-in, and you can opt out of the old plug-ins.
It's cheaper to use a ready-made store solution than to develop your own. It puts responsibility for the security of your credit card data on your shoulders.
But still, the development of a custom payment gateway has very good prospects. This way, you will be able to control and use technology to ensure that the system suits your business requirements.
If you have any questions about the development of a custom payment gateway or its integration, you can feel free to contact the experts of Dynaris.
When choosing a gateway, you need to pay attention to:
Standard security measures involve the use of TLS, the most widely used security protocol, which uses a wide range of encryption algorithms such as RSA and AES. This is a basic requirement for the security of a payment gateway, without which the channel becomes vulnerable to both active and passive hacker attacks.
The PCI-DSS standard has a control function. This document consists of 12 requirements, based on which the payment gateway organizes its activities. When you see that the service follows the PCI-DSS standard (the newer the better), you can be sure that it is doing everything it can to prevent theft of your confidential data and finances.
Last but not least, there is two-factor authentication. This is what protects you from the most primitive way to lose money - bank card theft. With two-factor authentication, whenever an attempt is made to log into your account, you are notified via the selected communication channel, be it email or SMS. Verifying your identity significantly reduces the risk of being robbed, since the likelihood of losing your phone, email account, and bank card at the same time is extremely low (however, this is possible - therefore, some services are already offering their users three-factor authentication).
These are the main features that a good payment gateway should have. Additional security measures include tokenization, non-standard security protocols (especially open-source protocols), client tracking, and more.
The way your site is perceived by the user depends on the speed of the payment gateway. The time that the gateway spends on processing transactions from the client should be close to zero. Some user carts are abandoned due to a long checkout process, so it is very important to have a fast and well-functioning gateway.
You will have to pay a commission for transactions carried out on behalf of your company. Therefore, pay attention to the cost of services of the selected payment gateway.
These fees may include transaction fees, statements, refund fees, account management fees, and customs fees for using a particular payment method.
It is also important how the chosen payment service is integrated into your current platform, both from the technical and the design point of view.
Some payment gateways allow customers to make payment transactions directly on their site, while others take users to another site to complete the order.
Some payment gateways provide an API that is embedded directly into your site, while others redirect visitors to third-party services. Think about what will provide the best user experience for your customers. If customers trust your site, they won't mind additional redirects.
No service is completely stable, and there is always a chance of encountering technical problems. However, when technical support is provided to you on time, such issues do not usually affect the overall experience with the gateway.
A slow, rude or incompetent support team means that solving the smallest problem will take several days. Your workflows will be frozen, resulting in customer complaints and loss of money. Quality support is not the top priority when choosing a payment gateway, but its absence may harm your business.
Depending on which e-commerce platform your store is running on, you may have some payment gateways available, but not others.
Most e-commerce platforms support PayPal, Authorize.Net, Amazon Pay, Stripe, and Square. So you don't have to worry if you want to use any of these. All the leading e-commerce platforms such as Shopify, WooCommerce, BigCommerce, or Magento work with them seamlessly.
You can check which payment gateways your e-commerce platform works with by going to the official platform extensions directory or documentation and looking at the Payments section.
Finding a payment gateway for your store platform isn't difficult. When choosing one, it is important to take into account all the nuances of its use and interaction with the site.
Therefore, start cooperation with the payment gateway that you are interested in, analyze its service, look at reviews from other users, and look into information about its security. Don't settle for a mediocre service, because the success of your business depends on it.
If you have any questions about a payment gateway for Shopware, need consultation or integration for your online store, contact us - the Dinarys team will be happy to help you.
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