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A Payment Gateway provides credit card
processing, billing, reporting and settlement and operational services to
acquiring and issuing banks, manages the process of transferring authorized and
captured credit card funds between different financial accounts such as the
merchants company checking account. These corporations typically charge
merchants a discount rate and a transaction fee for this service. These fees
vary from processor to processor.
Payment Gateway refers to an e-commerce service, web portals that authorizes payments for e-businesses & online retailers. It in a way
represents a physical POS (Point-of-sale) terminal located in most retail
outlets. Payment gateways encrypt sensitive information, such
as credit card numbers, to ensure that information passes securely between the
customer and the merchant.
The Payment Gateway is needed to be acquired by the owner of
the site and the integration of the same in to the web application is performed by us.
There exist various types of Payment Gateways, some of which
are mentioned below & since it requires varying amount of effort in
integrating; so cost for integration of each Payment Gateway varies accordingly, starting from the minimum amount of Rs 8000/-
A payment gateway can be thought of as a digital equivalent to
a credit card processing terminal. Although there are many payment gateways
available, some of the most popular in india is CCAvenue, Pay Pal, ICICI
Payseal, Verisign, Google Checkout etc.
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