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Payment Cateway Integration

• At merchant's server the response is encrypted again and is relayed back to the customer. This allows the customer to know that whether the order has been placed successfully or not.
• The entire process typically takes less than 5 seconds. At the end of the bank day (or settlement period), the acquiring bank (or card issuing bank) deposits the total of the approved funds in to the merchant's nominated account.

Most familiar payment gateways are:
• Paypal
• Authorize.net
• CC Avenue
• CC Now
• LinkPoint


Why is Payment Gateway needed?
Payment Gateway holds the essence of any e-commerce site. One cannot think of making or receiving on-line payments without a Payment Gateway. Payment Gateway basically refers to an e-commerce service that authorizes payments for e-businesses & online retailers. It, in a way, represents a physical POS (Point-of-sale) terminal located in most retail outlets. Payment gateways encrypt sensitive information, such as credit card numbers to ensure that information passes securely between the customer and the merchant.