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Payment Gateway

 Home / Web Services / Payment Gateway
E-commerce website in Patna

Payment Gateway

First of all Let me tell you, what is Payment Gateway? A payment Gateway is a trader service. Which provided by an e-commerce application services. A payment gateway promotes a payment transaction by the transfer of information betweeen a payment portal and the front end processor.


How does your payment gateway work?

  • A payment gateway promotes a payment transaction by the transfer of information betweeen a payment portal and the front end processor.

You can go through these procedures:-
  • Customer places an order from a website or their card details are entered via a third party

  • If the order is via website, the customer's web browser encrypts the information to be sent between the browser and the trader's web server. This is done via SSL (Secure Socket Layer) encryption

  • The payment procedure can be sent the transaction information to the card association via (Visa/MasterCard etc)

  • Traders forward transaction details to their payment gateway. This is another SSL encrypted connection to the payment server hosted by the payment gateway.

  • The card association routes the transaction to the correct card issuing bank

  • The card issuing bank receives the authorisation request and does fraud and credit or debit checks and then sends a response back to the processor (via the same process as the request for authorisation) with a response code (eg approved, denied). In addition to communicating the fate of the authorisation request, the response code is used to define the reason why the transaction failed (such as insufficient funds). Meanwhile, the credit card issuer holds an authorisation associated with that trader and consumer for the approved amount. This can impact the consumer's ability to further spend (because it reduces the line of credit available or because it puts a hold on a portion of the funds in a debit account)

Payment gateway forwards the transaction information to the payment processor used by the merchant's acquiring bank

  • If so, please don't hesitate to get in touch and chat with us!
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