Qu'est-ce qu'une passerelle de paiement?

Halil Lacevic

Halil Lacevic, Développement et commercialisation de Rockstar

Répondu il y a 12w · L'auteur dispose de réponses 576 et de vues de réponses 1.1m

Firstly, you should watch this video:

What is a 'Payment Gateway'

A payment gateway refers to the front-end technology that reads payment cards and sends customer information to the merchant acquiring bank for processing. The payment gateway is an important aspect of all electronic payment card processing.

Payment gateway is simply a software application. It’s basically a conduit between an eCommerce website and the bank that authorizes (or declines) a customer’s credit card payment.

Credit and debit cards, eCheck (ACH), and even cryptocurrencies like bitcoin are all processed through payment gateways.

Ultimately, a payment gateway is the final step of the sales process on an ecommerce website. Without it you won’t be able to securely charge your customers when they purchase items from your website

Payment gateway services are required for all online credit card processing. It’s the same exact process as a point of service (POS) device does when you pay for your lunch at restaurant.

The Payment gateways works with your purchase items from a brick and mortar retailer. So, the main role of a payment gateway is to authorize transactions between you and your customers.1


Finally, I would recommend two of my favorite payment gateways that turned out to preform much better than anticipated and I was honestly surprised at how well they are executed.

Moneta International

Qu'est-ce qu'une passerelle de paiement?

Moneta International est la solution de paiement et de gestion de trésorerie conçue pour le siècle 21. Conçu pour répondre à vos besoins, Moneta est facile à utiliser, fiable et sûr. Il s'agit d'une plate-forme de banque en ligne qui offre un compte bancaire réel auprès des banques traditionnelles. Ils travaillent principalement en Europe, à Singapour et en Pologne.

Vericents

Qu'est-ce qu'une passerelle de paiement?

Toutes les transactions qui passent par le Vericents Les passerelles de paiement sont 3DSecure, ce qui fournit un niveau de protection supplémentaire et nécessaire. C'est un outil essentiel dans la lutte contre la fraude.

De plus, avec Vericents, vous bénéficiez d'une pré-autorisation et d'une capture des transactions, d'une facturation récurrente, ainsi que de la possibilité d'envoyer un message (e-mail ou SMS) à un client concernant un paiement.

La passerelle de paiement de Vericents vous offre une flexibilité sans précédent. La technologie étant adaptable, quelle que soit votre industrie, leur solution fonctionnera pour vous.

Notes de bas de page

1 What Is A Payment Gateway And What Is its Role In Ecommerce? - Due

Radhika Agarwal

Radhika Agarwal, Expert en la matière - Intégrations

Répondu il y a 103w · L'auteur dispose de réponses 182 et de vues de réponses 380k

Le service qui automatise la transaction de paiement entre le client et le marchand. Il s’agit généralement d’un service tiers qui traite, vérifie et accepte ou refuse les transactions par carte de crédit, carte de débit et Net banking pour le compte du commerçant au moyen de connexions Internet sécurisées.

Les passerelles de paiement jouent un rôle essentiel dans le processus de transaction de commerce électronique, en autorisant le paiement entre le commerçant et le client.

Leggi:  Compte tenu de la portée mondiale croissante d’Alipay, si une société chinoise effectue un paiement via Alipay à une société étrangère, comment cette société se procure-t-elle sa facture fapiao / sales à des fins comptables?

Lorsqu'un client passe une commande dans une boutique en ligne, la passerelle de paiement effectue plusieurs tâches pour finaliser la transaction:

  • Chiffrement: The web browser encrypts the data to be sent between it and the merchant's web server. The Payment Gateway then sends the transaction data to the payment processor.
  • Authorization Request: The payment processor sends the transaction data to a card association. The card's issuing bank views the authorization request and “approves” or “denies.”
  • Confirming the Order: The processor then forwards an authorization to the payment gateway. Once the gateway obtains this response, it transmits it. The interpreted and an appropriate response is generated. This process typically takes only a few seconds at most. At this point, the merchant confirms the order.

Hannah Gerstaecker

Hannah Gerstaecker, a étudié à l'Université de Sydney

Répondu il y a 42w · L'auteur dispose de réponses 182 et de vues de réponses 97.7k

A payment processing functionality which allows businesses to accept debit card, credit card or any other pay of payment online. It connects the merchants with their bank’s processing platform and settles the transactions and funds for the merchant.

Qu'est-ce qu'une passerelle de paiement?

Payment is the final step of the checkout process of any eCommerce website or mobile app, without a payment gateway integration your customers won’t be able to pay instantly for the services or products they are buying.

Do you Know How Payment Gateway work?

Payment Gateway Integration Process Involves Four Step Procedure

Accumulation

Once the customer has finalized its shopping cart they will enter the detail of the payment method they are opting on the payment page. This information will be directed to your payment gateway.

Authentification

This information will be transferred to the bank account by the payment gateway to your bank via an encrypted link.

Autorisation

A message will be delivered to you to acknowledge that the payment has been approved and you can deliver the products.

Règlement

After the verification of the transaction is done by the bank the money will be deposited into your account. It works in real-time but may take up to 21 working days.

Want to Get More Information regarding Payment gateway integration in Mobile App or Website then I have found one informative article so you can also read.

Payment Gateway Integration in Your Website & Mobile Application

Amily Buston

Amily Buston, Maket Researcher -IOT,Artificial Intelligence,Robots,CG

Répondu il y a 31w · L'auteur dispose de réponses 96 et de vues de réponses 20.6k

The merchants all over the globe are avidly willing to expand their businesses cross-border by adaption of a logical approach, by partnering with the payment gateways. With the help of this partnership, these merchants gain the advantage of tapping the opportunities created by the globalization of e-commerce.

Majority of merchants today, are eyeing up global expansion and wish to grow at a faster pace, however, the last thing they would ever need in this dynamic & competitive landscape is a payment gateway that either refrains their growth or pushes them to collaborate with multiple PSPs (Payment Service Providers) in different regions. In order to address these issues, the payment industry is inviting technological advances, paving the path for the growth of payment gateways market. Global payment gateway market is expected to grow from US$ 30.6 Bn in 2016 to US$ 86.9 Bn by 2025 at a CAGR of 12.4% between 2017 and 2025

Leggi:  Mes Bitcoins peuvent-ils être sauvegardés et récupérés lors de la désinstallation puis de la réinstallation de l'application Zebpay?

Get Free PDF Sample Brochure Passerelles de paiement for Study more Professional: http://bit.ly/2EXF6if

Cristi Gheorghe

Cristi Gheorghe, works at Twispay

Répondu il y a 38w

From a technical standpoint, a passerelle de paiement is the software solution that allows a business owner (i.e. an e-commerce website) accept online payments from their customers.

While most of the times online payments refer to accepting credit cards online, the most powerful Passerelles de paiement are able to combine various payment methods, such as e-wallets or more recently crypto payments into one unitary interface, accounting for a seamless payment experience for shoppers regardless of their payment method of choice.

More often than not, payment gateways provide the connection to an acquiring bank1, which for credit card transactions is the ultimate link in the authorisation and settlement process, and is the entity that holds the customer money until payout. Payment gateways and acquiring banks are two terms that are sometimes confused, and for a disambiguation you may want to consult this article which distinguishes between the two.

Since payment gateways deal with very sensitive information such as cardholder data, the sécurité aspect is of utmost importance. In this sense, there are even standards and entities which regulate and evaluate the security level of such a software solution, such as the PCI-DSS2.

Lastly, when looking for the payment gateway of choice, one must initially acknowledge whether a gateway is available in their home market as it both needs to meet the local regulations and support the more common payment methods of the trade in your area. Some examples of payment gateways are PayPal, Rayure or Deux jours, the latter focusing entirely on the EU and European merchants.

Notes de bas de page

1 What Is an Acquiring Bank?

2 What Is PCI DSS?

Bruno Smrad

Bruno Smrad, Travailleur indépendant

Répondu il y a 12w · L'auteur dispose de réponses 51 et de vues de réponses 20.9k

Définition: A payment gateway is an ecommerce service that processes credit card payments for online and traditional brick and mortar stores. Payment gateways facilitate these transactions by transferring key information between payment portals such as web-enabled mobile devices/websites and the front end processor/bank.

Payment gateways fulfill a vital role in the ecommerce transaction process, authorizing the payment between merchant and customer. Popular payment gateways include PayPal/Braintree, Stripe, Moneta Intl and Vericents.

Moneta International est la solution de paiement et de gestion de trésorerie conçue pour le siècle 21. Conçu pour répondre à vos besoins, Moneta est facile à utiliser, fiable et sûr. Il s'agit d'une plate-forme de banque en ligne qui offre un compte bancaire réel auprès des banques traditionnelles. Ils travaillent principalement en Europe, à Singapour et en Pologne.

Toutes les transactions qui passent par le Vericents Les passerelles de paiement sont 3DSecure, ce qui fournit un niveau de protection supplémentaire et nécessaire. C'est un outil essentiel dans la lutte contre la fraude.

Leggi:  Quelles sont vos prévisions techniques pour les prochaines années 20?

Additionally, with Vericents you get pre-authorization and capture of transactions, recurrent billing, as well as the ability to message (email or SMS) a client about a payment.Vericents’ Payment Gateway gives you unprecedented flexibility. The technology is adaptable, so whatever your industry, their solution will work for you.

Payment gateways vs. Payment processors: what's the difference?

A processeur de paiement analyzes and transmits transaction data. Passerelles de paiement authorizes the transfer of funds between buyers and sellers.

How payment gateways work

Lorsqu'un client passe une commande dans une boutique en ligne, la passerelle de paiement effectue plusieurs tâches pour finaliser la transaction:

  • Chiffrement: The web browser encrypts the data to be sent between it and the vendor's web server. The gateway then sends the transaction data to the payment processor utilized by the vendor's acquiring bank.
  • Authorization Request: The payment processor sends the transaction data to a card association. The credit card's issuing bank views the authorization request and “approves” or “denies.”
  • Filling the Order: The processor then forwards an authorization pertaining to the merchant and consumer to the payment gateway. Once the gateway obtains this response, it transmits it to the website/interface to process the payment. Here, it is interpreted and an appropriate response is generated. This seemingly complicated and lengthy process typically takes only a few seconds at most. At this point, the merchant fills the order.

Other Payment Gateway Functions

Payment gateways also screen orders with a myriad of helpful tools. This screening process filters out as much fraud as possible. Examples of gateway fraud detection tools include:

  • Delivery address verification
  • AVS checks
  • Computer finger printing technology,
  • Velocity pattern analysis
  • Identity morphing detection
  • Géolocalisation

Payment gateways even calculate tax amounts to authorize requests transmitted to the processor.1

Notes de bas de page

1 What is a payment gateway and what is its role in ecommerce?

Lascia un commento

Il tuo indirizzo email non sarà pubblicato. I campi obbligatori sono contrassegnati *

Questo sito usa Akismet per ridurre lo spam. Scopri come i tuoi dati vengono elaborati.