Online payment gateway for my website — what do I need to know?

How often do you ask yourself this question? If you’re going to set up an online store, you need to choose a proper payment gateway solution to accept online payments from your customers. What should you consider first when choosing a payment method for your site? Check this post carefully and make the right choice.

How to start?

Online payment gateway systems let you collect payments securely (using credit or debit cards) from your customers. In short, it’s an application associated with acquiring banks and other financial institutions that let you authorize payments and store them for submission to your payment processor. Take a minute and think about how to start.

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First, define your business needs and goals. You probably did everything to keep the customers on your website, so it’s not a good idea to send them to another page to pay. Consider choosing a payment provider that allows users to pay with just a few steps right on your site. It can maximize conversion and make your customers happy.

What else is important?

Clear fees structure

The cost is usually the main criteria, so it’s crucial to pay attention to pricing transparency. Always spend some time researching all of the possible fees before you integrate with the payment gateway. You don’t want to be surprised, do you?

There are a few types of fees: per-transaction, monthly usage charges, fees based on a percentage of transaction amounts, or miscellaneous fees. Sometimes there are also hidden or extra fees like chargebacks, registration, and/or set-up fees.

What’s more is that the final cost can depend on the level of support you receive, or the number of processed transactions. You just need to consider the minimum or maximum number of your monthly transactions in order to find a reasonable fee structure. Your cash flow is important, so ensure you get paid fast. The provider’s fees should meet your needs now, and in the future.

Don’t be afraid to ask. You should have everything confirmed before implementing a payment gateway on your page. You just need to be sure how much you will end up paying.

Payment methods

There are many e-payment methods, so you need to check which of them are supported by the payment gateway that you consider. Also, try to think about your potential customers — which credit card types do they use? Is it going to change in the nearest future or not? Just try to step into your customer’s shoes for a moment and adjust your payment methods to their needs, and choose the e-payment provider which supports them. If your customers don’t find their preferred payment method on your website, you will probably lose them.

However, remember that not everyone uses credit cards. A lot of online buyers choose debit cards to keep their debt levels under control. It’s crucial to find a solution that supports both credit and debit cards, and won’t be too difficult to implement.

Easy technical integration and flexibility

Don’t have a developer on your board? No worries, you can do it yourself in a user-friendly way. There are some services that provide smooth implementation processes. All you need is a few minutes and a few clicks to go.

See how it could look like — implement payments with just a few clicks:

But if you’re inclined to trust a developer rather than your own skills and need a more advanced solution, ask about the integration options and technical documentation. It’s important if you want to save your time and money (of course you do)! Integrating a gateway via API might be a time-consuming process, it all depends on how clean and simple the set of API will be.

The way your site looks may be important for your customers and may simplify the paying process. It is also connected with building customer trust and might result in higher conversion. So, if you are concerned about that, seek a provider that offers a wide range of extra features.

Data security

If you run an ecommerce business with payment solutions on your website, you probably want to know what happens with your customer’s personal data and their financial information. It’s important not to use them for marketing purposes because it definitely won’t help your conversion or build customer trust.

Ensure that your payment gateway provides the highest level security of processed data. Ask about what PCI levels your provider is certified for. If it’s level 1, you can rest assured, because that’s the highest level in card data protection. That confirms the technology used on the platform is secure. You should also ask about fraud protection to minimize the risk of fraudulent transactions.

It’s better for you when payment details are sent straight to a secure payment gateway, not via your server. The best scenario is when your customer types his details into a form on your site and then the app communicates directly to the provider’s server. Your responsibility is less then.

Customer support

Pay attention to customer support if you want to sleep well. Payment processing is critical to any business, so think about what would happen if there were any problems. All them need to be addressed immediately.

If you run an online shop, you definitely know it’s a 24/7 experience. It’s important to have support every time you need it and the reaction has to be fast. So before choosing, check if there’s an e-mail or phone support or live online chat on the payment provider’s site. You don’t want to leave your customers without resolving their problems, right?

Payment gateway proper for your business

This is one of the things that many companies don’t even think about when they are looking for an e-payment solution. But you probably know there are businesses known as “high-risk,” and some payment providers don’t want to work with them. So if your company specializes in travel, gambling, dating, pharmaceuticals, or adult content, you need to check out which service provides solutions for your business.

Mobile friendly

Last but not least is considering a payment gateway which you can use on your mobile ecommerce site. Today’s customers make their purchase decisions while scrolling pages on their smartphones or tablets. You should think of a payment provider that enables your customers to pay easily, no matter what device they are using.

The mobile market is growing fast, so don’t get left behind. Think about your businesses development, consider the solutions your mobile users are going to love.

Is everything clear enough now? The right payment gateway should simplify, secure and automate online payments on your website. It could speed up your business and increase conversion and user satisfaction. Check all those features carefully to make the best decision. Good luck!

Similar article: 5 ways your online payment system is failing you.

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