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How to Link Your Website with Online Payment Platform

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Link website with online payment

According to Statista, the number of digital buyers will hit 2 billion in 2020. The number is more than double where it was a decade ago. The shift from brick-and-mortar purchases should help you define your business to fit the current trend. One of the primary ways to edge out your competitors is the acceptance of online payment gateway.

However, most sellers always ask: how do I integrate payment gateway into my small business website? For startups, it can prove an uphill because of the vigorous security requirements. But does it have to be all that difficult?

Factors You Should consider when Choosing a Payment Gateway 

1. Cost

You are in business and you want to save and increase your bottom line. Therefore, checking a payment option that favors your budget is non-negotiable. Apart from the transaction and statement costs you incur, your customers are also deducted some amount. May it be processing or chargeback charges, customers dislike hidden costs. Therefore, make sure that your service provider discloses all the fees.

2. Security

Cybercrimes are on the rise now than ever. Customers are more cautious in submitting their information now than ever before. You also need a guarantee that your funds will not be siphoned from your bank. You should consider the security features of the online payment platform.

3. Turn Around Time

Who likes to wait for a whole week with a pending payment? You should choose a payment gateway that is fast in processing payments for startups. This will not only encourage your customers to consider repeat buys, but also ensure you have funds to run your business.

4. Diversity

Your online payment platform should accommodate various currencies, as well as purchases from different locations.  The method should also accommodate payment from different countries. Apart from that, the payment gateway for small businesses should be compatible with your website.

Because we now know the factors to consider, here are simple steps to follow when you want to add payment gateway into your website.

Step 1: Choosing Payment Gateway

Considering the factors above, you should select the payment platform that best fits your customers. Statistics show that almost half of the potential customers that visit a site abandon their purchases at the payment stage. Therefore, you should choose a customer-oriented provider.

You can compare the rates that each of the top payment platforms charge. Some of the most common charges are transaction fees, international transaction charges, setup fees, and chargeback charges. Most of the top payment gateways for small businesses accept the major cards. This makes your scope of eligible clients wide. You should also consider the security of the online payment platform.

Some of the best payment gateways for startups include Paypal Standard, Stripe, Amazon Payment,, WePay, and 2Checkout. The platforms also accept most of the major currencies. You should make sure you meet all the payment gateway requirements for approval.

Step 2: Payment Method Integration

You can integrate payment gateway directly or indirectly through a third party. Most online startup stores work with third-party payment platforms. Here are some options you should consider.

1. Direct Post Integration

This method allows customers to pay for your product or services without leaving your website. Direct post-integration does not require peripheral component interconnect (PCI) compliance. Once the customer clicks the payment button, transaction data is posted in the payment gateway and necessary deductions are enacted.

The method allows customers to perform all their clicks within a single tab. The method allows customization and diversity in branding. However, it is not the most secure method of online payment for small businesses.

To integrate the method on your website, you should set up the application programming interface (API) between you’re your checkout and payment gateway. The process involves some coding which necessitates consultation of a programming expert. Your website or store host can advise on how to go about the process.

2. Hosted Payment Gateway

This is the most common online payment method for startups. It involves the use of third-party services to accept online transactions. Once the customer clicks the purchase button, they are prompted to the third-party platform such as Paypal popup.

It is easier to use a hosted payment gateway because the host provides the codes required to integrate the method. You receive a JavaScript code that places the purchase button on your website. Drawbacks to the method include a lack of trust for some third party payment gateways. Some people also quit when they are directed to another website and it can reduce your conversion.

There are other options like integrate method but they are a bit more complex small businesses because you should obtain PCI compliance. The payment gateway is ideal for medium and large businesses.

Step 3: Test and Application

After integration, you should undertake a fake test transaction to cross-check the process. You should watch out for any broken integration and ensure the safety of customer data.

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