A payment gateway processes credit cards at online and offline stores. It transfers the key information between websites/mobile devices and payment processors/banks, and vice versa. So if you decide to integrate payment into a website and make the user experience smooth, think of the gateway as a tool to deal with all the financial transactions online.
Basically, it’s an online representation of sale terminal that you see in retail stores. To ensure the transaction safety and protect your website from fraud or cyber attacks, a payment gateway encrypts all sensitive information: credit card number, expiration date, and CVV code.
How payment Gateway operates??
- The customer presses the place order button during checkout. The browser encrypts the payment details and sends them to the merchant’s web server via SSL connection.
- The merchant sends these details to a gateway – again via an encrypted SSL connection.
- The payment gateway sends the information to the payment processor, which, in turn, forwards it to the card association (Visa, MasterCard, etc.)
- The bank that issues the credit card receives an authorization request and sends a response code back to the payment processor.
- The response code contains information about the transaction status (approved or failed) and the error code in case the transaction failed (insufficient funds, etc.).
- The payment processor sends the response code on to the gateway, and from there it’s forwarded back to the website.
- The website displays a relevant message to the customer.
There are various Payment Gateways like Paypal, Amazon pay, Stripe, Sagepay etc. and My fatoura , Tab ..Kuwait based Gateways
Emstell provides comprehensive payment gateway integration services. We provide support for our clients with the bank details, auditing the authenticity of third-party links, and execution of payment providers that are suitable for your business. Choose Emstell for stabilizing your payment procedures with authentic payment gateway integration services and assistance.
We also use regional payment gateways in the Middle East like Kuwait KNET, Saudi Arabia’s SADAD, and other e-payment methods in UAE. Emstell also provides payment gateway integration for private payment providers like MyFatoorah, GoTap, PayTab, etc. KNet integration involves the installation of SSL Certificates. We provide services that are suitable for your business and ease out the integration process with the KNet system.
