A Step-by-Step Guide to Payment Gateway Integration
There is now no easier time than ever to integrate a payment gateway into an app or website, thanks to off-the-shelf plugins, APIs, and no-coding-required solutions. Just plug them into WooCommerce or Shopify: Stripe, PayPal Checkout, or Authorize.Net, available from their marketplaces. All the rest is custom code using API keys from your gateway provider, which developers can incorporate using PHP, Python, or JavaScript SDKs. For high-risk merchants, hosted payment pages such as 2Checkout or PayFort should be used to shove PCI compliance headaches somewhere else. The key steps are:
Common Integration Pitfalls and How to Avoid Them
An inefficient payment integration process can prove to be operationally complicated for companies and oftentimes lead to declined transactions, security vulnerabilities, and additional processing fees that serve little purpose. Perhaps the most common and, in fact, preventable mistake is the failure to be mobile-optimized when, by reality, smartphones account for over 30% of all ecommerce transactions done. Merchants that fail to emphasize responsive design and streamlined mobile checkout paths are missing out on a considerable amount of potential revenue. Another classic blunder includes not upholding strong fraud prevention policies, which exposes companies to chargebacks and fraudulent transactions. Automated screening tools such as Kount or Signifyd should be implemented to get this protection without compromising conversion rates. Security vulnerabilities arise from poor management of API keys; many developers make the hazardous mistake of hardcoding sensitive credentials into their applications instead of storing them securely and managing them through specialized vault services with encryption, access controls, and rotation capabilities.
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