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              <div class="article-content">\r\n<p>The recent growth of online payments is a testament to how crucial payment gateways are for your business.</p>\r\n\r\n<p>Payment gateways are services that process your business’ card transactions.&nbsp;They’re an asset&nbsp;to your business because they&nbsp;ensure safe and smooth&nbsp;transactions, and reduce&nbsp;losses associated with late payments.</p>\r\n\r\n<p>&nbsp;</p>\r\n\r\n<p>This article will walk you through what a payment gateway is, why they’re popular, how online payments work with them, and the different ways you can integrate with a payment gateway.</p>\r\n\r\n<h2 id="what-is-a-payment-gateway">What is a payment gateway?</h2>\r\n\r\n<p>In simple terms, a payment gateway is a network through which your customers transfer funds to you. Payment gateways are very similar to the point-of-sale terminals used at most brick and mortar stores. 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This means that only the customer and their issuing bank will be able to access their information.</li>\r\n\t<li>Every payment gateway must be compliant with PCI DSS standards, which means that they follow particular security standards to ensure that your customers’ card information is processed securely.</li>\r\n\t<li>Card services provide an additional security protocol called 3-D Secure. This requires the customer to create a password for every card that they use to make an online payment.</li>\r\n</ul>\r\n\r\n<h2 id="how-do-online-payments-work-with-a-payment-gateway">How do online payments work with a payment gateway?</h2>\r\n\r\n<p>Before we get into the actual process, here are some terms you’ll want to understand:</p>\r\n\r\n<h3 id="merchant-account">Merchant Account</h3>\r\n\r\n<p>A merchant account is a separate bank account that businesses use for their receivables. During a transaction, your customer’s payment is initially transferred to your merchant account, where it stays until you move it to your business’ regular bank account. You need both a payment gateway and a merchant account to accept online payments.</p>\r\n\r\n<h3 id="payment-processor">Payment Processor</h3>\r\n\r\n<p>When a business charges a customer for a purchase, a payment processor is the service that authorizes the customer’s card details to make sure that they have enough funds in their account to pay. If they do, then the payment processor authorizes the transaction and the payment is sent to the business’ account, and if not, the transaction is rejected.</p>\r\n\r\n<p>The steps below explain how online payments work with a payment gateway:</p>\r\n\r\n<h3 id="step-1">Step 1</h3>\r\n\r\n<p>When accepting online payments, start by setting up your website and <a href="https://www.zoho.com/finance/payments/direct-integration-with-payment-gateway.html">connecting it to a payment gateway</a>.</p>\r\n\r\n<h3 id="step-2">Step 2</h3>\r\n\r\n<p>Your customer makes a purchase from your website by clicking your payment link and entering their credit card or debit card details.</p>\r\n\r\n<h3 id="step-3">Step 3</h3>\r\n\r\n<p>The order and card details are sent to the payment gateway. The card information is securely transmitted to the payment gateway, so that only your customer and their bank will be able to access their card details.</p>\r\n\r\n<h3 id="step-4">Step 4</h3>\r\n\r\n<p>Next, the payment gateway verifies your customer’s card details and checks if they have sufficient funds to make the payment. If they do, then the payment gateway proceeds with the transaction. Additionally, the payment gateway prevents fraudulent activities with the help of anti-fraud tools.</p>\r\n\r\n<h3 id="step-5">Step 5</h3>\r\n\r\n<p>The payment gateway then takes over and sends a request to the customer’s issuing bank to initiate the transaction. The issuing bank then sends these funds to the merchant bank who then deposits them into the merchant account.</p>\r\n\r\n<h3 id="step-6">Step 6</h3>\r\n\r\n<p>The status of the transaction will be sent as a notification to the merchant. The payment gateway that you are using determines how long it takes to receive your payment. Most payments are received in real time, almost immediately after the transaction is complete, but some may take as long as 21 days if there are any errors in processing.</p>\r\n\r\n<h2 id="how-do-i-integrate-with-a-payment-gateway">How do I integrate with a payment gateway?</h2>\r\n\r\n<p>You have a few options for how to integrate with a payment gateway, depending on how you’d like to receive payments from your customers.</p>\r\n\r\n<ul>\r\n\t<li>The first category of integration redirects your customer away from your business’ website to pay. This is appropriate for businesses that don’t receive much online traffic. After your customer clicks on the payment link, they are taken to your payment processor’s page to enter their card details and make the payment, after which they are redirected to your website. An example of this type of payment gateway is PayPal.These payment gateways can be customized—for instance, adding your business’ name or logo to the checkout page. The drawback of this method is that your business cannot control the entire user experience since the gateway is external.</li>\r\n\t<li>With the next category, your customer stays within your website throughout the entire payment process and the payment itself is handled by a payment gateway. Once your customer enters the details within your business’s site, the information is sent to the payment gateway’s URL, where the actual transaction happens. Since your customer stays on your website throughout the purchase and is not redirected, this type of payment gateway is better for businesses that receive most of their revenue through online payments, because it provides a better customer experience. However, as you will be asking for your customer’s payment details through your own website, you need to take the necessary precautions to make sure their information is safe.</li>\r\n\t<li>The next type of payment gateway uses an API (Application Programming Interface). This type is similar to the previous one, in that customers enter their card details directly into the business’s online <a href="https://www.zoho.com/books/articles/make-better-and-more-effective-payment-pages.html" rel="noopener" target="_blank">payment page</a>, but here their payment is processed using an API. These payment gateways can be customized with your business’ name and logo and offer complete control over the user experience. Businesses using these need to take care of PCI compliance and SSL certification on their own.</li>\r\n</ul>\r\n\r\n<p>Overall, payment gateways simplify the online payment process for your business and help you receive payments faster, more conveniently, and with better security. If you are considering receiving online payments, or want to enhance the method you are already using, then a payment gateway is what you’re looking for.</p>\r\n</div>\r\n
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              <div class="article-content">\r\n<p>The recent growth of online payments is a testament to how crucial payment gateways are for your business.</p>\r\n\r\n<p>Payment gateways are services that process your business’ card transactions.&nbsp;They’re an asset&nbsp;to your business because they&nbsp;ensure safe and smooth&nbsp;transactions, and reduce&nbsp;losses associated with late payments.</p>\r\n\r\n<p>&nbsp;</p>\r\n\r\n<p>This article will walk you through what a payment gateway is, why they’re popular, how online payments work with them, and the different ways you can integrate with a payment gateway.</p>\r\n\r\n<h2 id="what-is-a-payment-gateway">What is a payment gateway?</h2>\r\n\r\n<p>In simple terms, a payment gateway is a network through which your customers transfer funds to you. Payment gateways are very similar to the point-of-sale terminals used at most brick and mortar stores. When using a payment gateway, customers and businesses need to work together to make a transaction.</p>\r\n\r\n<p>Once your customer has placed an order, the payment gateway verifies the customer’s card details and checks if they have enough funds in their account to pay you.</p>\r\n\r\n<h2 id="how-can-a-payment-gateway-benefit-my-business">How can a payment gateway benefit my business?</h2>\r\n\r\n<h3 id="convenience">Convenience</h3>\r\n\r\n<p>When you integrate with a payment gateway, it means that your customers can make purchases at any time, whether you’re minding the store or not. Allowing your customers to shop at their leisure adds convenience for them and for you.</p>\r\n\r\n<h3 id="faster-payments">Faster payments</h3>\r\n\r\n<p>As a business owner, you know that it is hard to get paid at all. Instead of having the hassle of agreeing to pay on a certain day and then forgetting to do so, many customers prefer to just pay instantly and get it over with. Payment gateways allow them to do just that, making it a win-win situation for both you and your customers.</p>\r\n\r\n<h3 id="better-security">Better security</h3>\r\n\r\n<p>Customers’ number one concern with online payments is security. As of 2017, loss resulting from credit card fraud in the United States amounted to <a href="https://www.statista.com/statistics/419628/payment-card-fraud-losses-usa-by-type/" rel="nofollow noopener" target="_blank">2.5 billion dollars</a>.</p>\r\n\r\n<p>Using payment gateways severely reduces the risk of credit card fraud for three main reasons:</p>\r\n\r\n<ul>\r\n\t<li>The customer’s card information is securely transmitted to the payment gateway. This means that only the customer and their issuing bank will be able to access their information.</li>\r\n\t<li>Every payment gateway must be compliant with PCI DSS standards, which means that they follow particular security standards to ensure that your customers’ card information is processed securely.</li>\r\n\t<li>Card services provide an additional security protocol called 3-D Secure. This requires the customer to create a password for every card that they use to make an online payment.</li>\r\n</ul>\r\n\r\n<h2 id="how-do-online-payments-work-with-a-payment-gateway">How do online payments work with a payment gateway?</h2>\r\n\r\n<p>Before we get into the actual process, here are some terms you’ll want to understand:</p>\r\n\r\n<h3 id="merchant-account">Merchant Account</h3>\r\n\r\n<p>A merchant account is a separate bank account that businesses use for their receivables. During a transaction, your customer’s payment is initially transferred to your merchant account, where it stays until you move it to your business’ regular bank account. You need both a payment gateway and a merchant account to accept online payments.</p>\r\n\r\n<h3 id="payment-processor">Payment Processor</h3>\r\n\r\n<p>When a business charges a customer for a purchase, a payment processor is the service that authorizes the customer’s card details to make sure that they have enough funds in their account to pay. If they do, then the payment processor authorizes the transaction and the payment is sent to the business’ account, and if not, the transaction is rejected.</p>\r\n\r\n<p>The steps below explain how online payments work with a payment gateway:</p>\r\n\r\n<h3 id="step-1">Step 1</h3>\r\n\r\n<p>When accepting online payments, start by setting up your website and <a href="https://www.zoho.com/finance/payments/direct-integration-with-payment-gateway.html">connecting it to a payment gateway</a>.</p>\r\n\r\n<h3 id="step-2">Step 2</h3>\r\n\r\n<p>Your customer makes a purchase from your website by clicking your payment link and entering their credit card or debit card details.</p>\r\n\r\n<h3 id="step-3">Step 3</h3>\r\n\r\n<p>The order and card details are sent to the payment gateway. The card information is securely transmitted to the payment gateway, so that only your customer and their bank will be able to access their card details.</p>\r\n\r\n<h3 id="step-4">Step 4</h3>\r\n\r\n<p>Next, the payment gateway verifies your customer’s card details and checks if they have sufficient funds to make the payment. If they do, then the payment gateway proceeds with the transaction. Additionally, the payment gateway prevents fraudulent activities with the help of anti-fraud tools.</p>\r\n\r\n<h3 id="step-5">Step 5</h3>\r\n\r\n<p>The payment gateway then takes over and sends a request to the customer’s issuing bank to initiate the transaction. The issuing bank then sends these funds to the merchant bank who then deposits them into the merchant account.</p>\r\n\r\n<h3 id="step-6">Step 6</h3>\r\n\r\n<p>The status of the transaction will be sent as a notification to the merchant. The payment gateway that you are using determines how long it takes to receive your payment. 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This means that only the customer and their issuing bank will be able to access their information.</li>\r\n\t<li>Every payment gateway must be compliant with PCI DSS standards, which means that they follow particular security standards to ensure that your customers’ card information is processed securely.</li>\r\n\t<li>Card services provide an additional security protocol called 3-D Secure. This requires the customer to create a password for every card that they use to make an online payment.</li>\r\n</ul>\r\n\r\n<h2 id="how-do-online-payments-work-with-a-payment-gateway">How do online payments work with a payment gateway?</h2>\r\n\r\n<p>Before we get into the actual process, here are some terms you’ll want to understand:</p>\r\n\r\n<h3 id="merchant-account">Merchant Account</h3>\r\n\r\n<p>A merchant account is a separate bank account that businesses use for their receivables. During a transaction, your customer’s payment is initially transferred to your merchant account, where it stays until you move it to your business’ regular bank account. You need both a payment gateway and a merchant account to accept online payments.</p>\r\n\r\n<h3 id="payment-processor">Payment Processor</h3>\r\n\r\n<p>When a business charges a customer for a purchase, a payment processor is the service that authorizes the customer’s card details to make sure that they have enough funds in their account to pay. If they do, then the payment processor authorizes the transaction and the payment is sent to the business’ account, and if not, the transaction is rejected.</p>\r\n\r\n<p>The steps below explain how online payments work with a payment gateway:</p>\r\n\r\n<h3 id="step-1">Step 1</h3>\r\n\r\n<p>When accepting online payments, start by setting up your website and <a href="https://www.zoho.com/finance/payments/direct-integration-with-payment-gateway.html">connecting it to a payment gateway</a>.</p>\r\n\r\n<h3 id="step-2">Step 2</h3>\r\n\r\n<p>Your customer makes a purchase from your website by clicking your payment link and entering their credit card or debit card details.</p>\r\n\r\n<h3 id="step-3">Step 3</h3>\r\n\r\n<p>The order and card details are sent to the payment gateway. The card information is securely transmitted to the payment gateway, so that only your customer and their bank will be able to access their card details.</p>\r\n\r\n<h3 id="step-4">Step 4</h3>\r\n\r\n<p>Next, the payment gateway verifies your customer’s card details and checks if they have sufficient funds to make the payment. If they do, then the payment gateway proceeds with the transaction. Additionally, the payment gateway prevents fraudulent activities with the help of anti-fraud tools.</p>\r\n\r\n<h3 id="step-5">Step 5</h3>\r\n\r\n<p>The payment gateway then takes over and sends a request to the customer’s issuing bank to initiate the transaction. The issuing bank then sends these funds to the merchant bank who then deposits them into the merchant account.</p>\r\n\r\n<h3 id="step-6">Step 6</h3>\r\n\r\n<p>The status of the transaction will be sent as a notification to the merchant. The payment gateway that you are using determines how long it takes to receive your payment. Most payments are received in real time, almost immediately after the transaction is complete, but some may take as long as 21 days if there are any errors in processing.</p>\r\n\r\n<h2 id="how-do-i-integrate-with-a-payment-gateway">How do I integrate with a payment gateway?</h2>\r\n\r\n<p>You have a few options for how to integrate with a payment gateway, depending on how you’d like to receive payments from your customers.</p>\r\n\r\n<ul>\r\n\t<li>The first category of integration redirects your customer away from your business’ website to pay. This is appropriate for businesses that don’t receive much online traffic. After your customer clicks on the payment link, they are taken to your payment processor’s page to enter their card details and make the payment, after which they are redirected to your website. An example of this type of payment gateway is PayPal.These payment gateways can be customized—for instance, adding your business’ name or logo to the checkout page. The drawback of this method is that your business cannot control the entire user experience since the gateway is external.</li>\r\n\t<li>With the next category, your customer stays within your website throughout the entire payment process and the payment itself is handled by a payment gateway. Once your customer enters the details within your business’s site, the information is sent to the payment gateway’s URL, where the actual transaction happens. Since your customer stays on your website throughout the purchase and is not redirected, this type of payment gateway is better for businesses that receive most of their revenue through online payments, because it provides a better customer experience. However, as you will be asking for your customer’s payment details through your own website, you need to take the necessary precautions to make sure their information is safe.</li>\r\n\t<li>The next type of payment gateway uses an API (Application Programming Interface). This type is similar to the previous one, in that customers enter their card details directly into the business’s online <a href="https://www.zoho.com/books/articles/make-better-and-more-effective-payment-pages.html" rel="noopener" target="_blank">payment page</a>, but here their payment is processed using an API. These payment gateways can be customized with your business’ name and logo and offer complete control over the user experience. Businesses using these need to take care of PCI compliance and SSL certification on their own.</li>\r\n</ul>\r\n\r\n<p>Overall, payment gateways simplify the online payment process for your business and help you receive payments faster, more conveniently, and with better security. If you are considering receiving online payments, or want to enhance the method you are already using, then a payment gateway is what you’re looking for.</p>\r\n</div>\r\n
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              <div class="article-content">\r\n<p>The recent growth of online payments is a testament to how crucial payment gateways are for your business.</p>\r\n\r\n<p>Payment gateways are services that process your business’ card transactions.&nbsp;They’re an asset&nbsp;to your business because they&nbsp;ensure safe and smooth&nbsp;transactions, and reduce&nbsp;losses associated with late payments.</p>\r\n\r\n<p>&nbsp;</p>\r\n\r\n<p>This article will walk you through what a payment gateway is, why they’re popular, how online payments work with them, and the different ways you can integrate with a payment gateway.</p>\r\n\r\n<h2 id="what-is-a-payment-gateway">What is a payment gateway?</h2>\r\n\r\n<p>In simple terms, a payment gateway is a network through which your customers transfer funds to you. Payment gateways are very similar to the point-of-sale terminals used at most brick and mortar stores. When using a payment gateway, customers and businesses need to work together to make a transaction.</p>\r\n\r\n<p>Once your customer has placed an order, the payment gateway verifies the customer’s card details and checks if they have enough funds in their account to pay you.</p>\r\n\r\n<h2 id="how-can-a-payment-gateway-benefit-my-business">How can a payment gateway benefit my business?</h2>\r\n\r\n<h3 id="convenience">Convenience</h3>\r\n\r\n<p>When you integrate with a payment gateway, it means that your customers can make purchases at any time, whether you’re minding the store or not. Allowing your customers to shop at their leisure adds convenience for them and for you.</p>\r\n\r\n<h3 id="faster-payments">Faster payments</h3>\r\n\r\n<p>As a business owner, you know that it is hard to get paid at all. Instead of having the hassle of agreeing to pay on a certain day and then forgetting to do so, many customers prefer to just pay instantly and get it over with. Payment gateways allow them to do just that, making it a win-win situation for both you and your customers.</p>\r\n\r\n<h3 id="better-security">Better security</h3>\r\n\r\n<p>Customers’ number one concern with online payments is security. As of 2017, loss resulting from credit card fraud in the United States amounted to <a href="https://www.statista.com/statistics/419628/payment-card-fraud-losses-usa-by-type/" rel="nofollow noopener" target="_blank">2.5 billion dollars</a>.</p>\r\n\r\n<p>Using payment gateways severely reduces the risk of credit card fraud for three main reasons:</p>\r\n\r\n<ul>\r\n\t<li>The customer’s card information is securely transmitted to the payment gateway. This means that only the customer and their issuing bank will be able to access their information.</li>\r\n\t<li>Every payment gateway must be compliant with PCI DSS standards, which means that they follow particular security standards to ensure that your customers’ card information is processed securely.</li>\r\n\t<li>Card services provide an additional security protocol called 3-D Secure. This requires the customer to create a password for every card that they use to make an online payment.</li>\r\n</ul>\r\n\r\n<h2 id="how-do-online-payments-work-with-a-payment-gateway">How do online payments work with a payment gateway?</h2>\r\n\r\n<p>Before we get into the actual process, here are some terms you’ll want to understand:</p>\r\n\r\n<h3 id="merchant-account">Merchant Account</h3>\r\n\r\n<p>A merchant account is a separate bank account that businesses use for their receivables. During a transaction, your customer’s payment is initially transferred to your merchant account, where it stays until you move it to your business’ regular bank account. You need both a payment gateway and a merchant account to accept online payments.</p>\r\n\r\n<h3 id="payment-processor">Payment Processor</h3>\r\n\r\n<p>When a business charges a customer for a purchase, a payment processor is the service that authorizes the customer’s card details to make sure that they have enough funds in their account to pay. If they do, then the payment processor authorizes the transaction and the payment is sent to the business’ account, and if not, the transaction is rejected.</p>\r\n\r\n<p>The steps below explain how online payments work with a payment gateway:</p>\r\n\r\n<h3 id="step-1">Step 1</h3>\r\n\r\n<p>When accepting online payments, start by setting up your website and <a href="https://www.zoho.com/finance/payments/direct-integration-with-payment-gateway.html">connecting it to a payment gateway</a>.</p>\r\n\r\n<h3 id="step-2">Step 2</h3>\r\n\r\n<p>Your customer makes a purchase from your website by clicking your payment link and entering their credit card or debit card details.</p>\r\n\r\n<h3 id="step-3">Step 3</h3>\r\n\r\n<p>The order and card details are sent to the payment gateway. The card information is securely transmitted to the payment gateway, so that only your customer and their bank will be able to access their card details.</p>\r\n\r\n<h3 id="step-4">Step 4</h3>\r\n\r\n<p>Next, the payment gateway verifies your customer’s card details and checks if they have sufficient funds to make the payment. If they do, then the payment gateway proceeds with the transaction. Additionally, the payment gateway prevents fraudulent activities with the help of anti-fraud tools.</p>\r\n\r\n<h3 id="step-5">Step 5</h3>\r\n\r\n<p>The payment gateway then takes over and sends a request to the customer’s issuing bank to initiate the transaction. The issuing bank then sends these funds to the merchant bank who then deposits them into the merchant account.</p>\r\n\r\n<h3 id="step-6">Step 6</h3>\r\n\r\n<p>The status of the transaction will be sent as a notification to the merchant. The payment gateway that you are using determines how long it takes to receive your payment. Most payments are received in real time, almost immediately after the transaction is complete, but some may take as long as 21 days if there are any errors in processing.</p>\r\n\r\n<h2 id="how-do-i-integrate-with-a-payment-gateway">How do I integrate with a payment gateway?</h2>\r\n\r\n<p>You have a few options for how to integrate with a payment gateway, depending on how you’d like to receive payments from your customers.</p>\r\n\r\n<ul>\r\n\t<li>The first category of integration redirects your customer away from your business’ website to pay. This is appropriate for businesses that don’t receive much online traffic. After your customer clicks on the payment link, they are taken to your payment processor’s page to enter their card details and make the payment, after which they are redirected to your website. An example of this type of payment gateway is PayPal.These payment gateways can be customized—for instance, adding your business’ name or logo to the checkout page. The drawback of this method is that your business cannot control the entire user experience since the gateway is external.</li>\r\n\t<li>With the next category, your customer stays within your website throughout the entire payment process and the payment itself is handled by a payment gateway. Once your customer enters the details within your business’s site, the information is sent to the payment gateway’s URL, where the actual transaction happens. Since your customer stays on your website throughout the purchase and is not redirected, this type of payment gateway is better for businesses that receive most of their revenue through online payments, because it provides a better customer experience. However, as you will be asking for your customer’s payment details through your own website, you need to take the necessary precautions to make sure their information is safe.</li>\r\n\t<li>The next type of payment gateway uses an API (Application Programming Interface). This type is similar to the previous one, in that customers enter their card details directly into the business’s online <a href="https://www.zoho.com/books/articles/make-better-and-more-effective-payment-pages.html" rel="noopener" target="_blank">payment page</a>, but here their payment is processed using an API. These payment gateways can be customized with your business’ name and logo and offer complete control over the user experience. Businesses using these need to take care of PCI compliance and SSL certification on their own.</li>\r\n</ul>\r\n\r\n<p>Overall, payment gateways simplify the online payment process for your business and help you receive payments faster, more conveniently, and with better security. If you are considering receiving online payments, or want to enhance the method you are already using, then a payment gateway is what you’re looking for.</p>\r\n</div>\r\n
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              <div class="article-content">\r\n<p>The recent growth of online payments is a testament to how crucial payment gateways are for your business.</p>\r\n\r\n<p>Payment gateways are services that process your business’ card transactions.&nbsp;They’re an asset&nbsp;to your business because they&nbsp;ensure safe and smooth&nbsp;transactions, and reduce&nbsp;losses associated with late payments.</p>\r\n\r\n<p>&nbsp;</p>\r\n\r\n<p>This article will walk you through what a payment gateway is, why they’re popular, how online payments work with them, and the different ways you can integrate with a payment gateway.</p>\r\n\r\n<h2 id="what-is-a-payment-gateway">What is a payment gateway?</h2>\r\n\r\n<p>In simple terms, a payment gateway is a network through which your customers transfer funds to you. Payment gateways are very similar to the point-of-sale terminals used at most brick and mortar stores. When using a payment gateway, customers and businesses need to work together to make a transaction.</p>\r\n\r\n<p>Once your customer has placed an order, the payment gateway verifies the customer’s card details and checks if they have enough funds in their account to pay you.</p>\r\n\r\n<h2 id="how-can-a-payment-gateway-benefit-my-business">How can a payment gateway benefit my business?</h2>\r\n\r\n<h3 id="convenience">Convenience</h3>\r\n\r\n<p>When you integrate with a payment gateway, it means that your customers can make purchases at any time, whether you’re minding the store or not. Allowing your customers to shop at their leisure adds convenience for them and for you.</p>\r\n\r\n<h3 id="faster-payments">Faster payments</h3>\r\n\r\n<p>As a business owner, you know that it is hard to get paid at all. Instead of having the hassle of agreeing to pay on a certain day and then forgetting to do so, many customers prefer to just pay instantly and get it over with. Payment gateways allow them to do just that, making it a win-win situation for both you and your customers.</p>\r\n\r\n<h3 id="better-security">Better security</h3>\r\n\r\n<p>Customers’ number one concern with online payments is security. As of 2017, loss resulting from credit card fraud in the United States amounted to <a href="https://www.statista.com/statistics/419628/payment-card-fraud-losses-usa-by-type/" rel="nofollow noopener" target="_blank">2.5 billion dollars</a>.</p>\r\n\r\n<p>Using payment gateways severely reduces the risk of credit card fraud for three main reasons:</p>\r\n\r\n<ul>\r\n\t<li>The customer’s card information is securely transmitted to the payment gateway. This means that only the customer and their issuing bank will be able to access their information.</li>\r\n\t<li>Every payment gateway must be compliant with PCI DSS standards, which means that they follow particular security standards to ensure that your customers’ card information is processed securely.</li>\r\n\t<li>Card services provide an additional security protocol called 3-D Secure. This requires the customer to create a password for every card that they use to make an online payment.</li>\r\n</ul>\r\n\r\n<h2 id="how-do-online-payments-work-with-a-payment-gateway">How do online payments work with a payment gateway?</h2>\r\n\r\n<p>Before we get into the actual process, here are some terms you’ll want to understand:</p>\r\n\r\n<h3 id="merchant-account">Merchant Account</h3>\r\n\r\n<p>A merchant account is a separate bank account that businesses use for their receivables. During a transaction, your customer’s payment is initially transferred to your merchant account, where it stays until you move it to your business’ regular bank account. You need both a payment gateway and a merchant account to accept online payments.</p>\r\n\r\n<h3 id="payment-processor">Payment Processor</h3>\r\n\r\n<p>When a business charges a customer for a purchase, a payment processor is the service that authorizes the customer’s card details to make sure that they have enough funds in their account to pay. If they do, then the payment processor authorizes the transaction and the payment is sent to the business’ account, and if not, the transaction is rejected.</p>\r\n\r\n<p>The steps below explain how online payments work with a payment gateway:</p>\r\n\r\n<h3 id="step-1">Step 1</h3>\r\n\r\n<p>When accepting online payments, start by setting up your website and <a href="https://www.zoho.com/finance/payments/direct-integration-with-payment-gateway.html">connecting it to a payment gateway</a>.</p>\r\n\r\n<h3 id="step-2">Step 2</h3>\r\n\r\n<p>Your customer makes a purchase from your website by clicking your payment link and entering their credit card or debit card details.</p>\r\n\r\n<h3 id="step-3">Step 3</h3>\r\n\r\n<p>The order and card details are sent to the payment gateway. The card information is securely transmitted to the payment gateway, so that only your customer and their bank will be able to access their card details.</p>\r\n\r\n<h3 id="step-4">Step 4</h3>\r\n\r\n<p>Next, the payment gateway verifies your customer’s card details and checks if they have sufficient funds to make the payment. If they do, then the payment gateway proceeds with the transaction. Additionally, the payment gateway prevents fraudulent activities with the help of anti-fraud tools.</p>\r\n\r\n<h3 id="step-5">Step 5</h3>\r\n\r\n<p>The payment gateway then takes over and sends a request to the customer’s issuing bank to initiate the transaction. The issuing bank then sends these funds to the merchant bank who then deposits them into the merchant account.</p>\r\n\r\n<h3 id="step-6">Step 6</h3>\r\n\r\n<p>The status of the transaction will be sent as a notification to the merchant. The payment gateway that you are using determines how long it takes to receive your payment. Most payments are received in real time, almost immediately after the transaction is complete, but some may take as long as 21 days if there are any errors in processing.</p>\r\n\r\n<h2 id="how-do-i-integrate-with-a-payment-gateway">How do I integrate with a payment gateway?</h2>\r\n\r\n<p>You have a few options for how to integrate with a payment gateway, depending on how you’d like to receive payments from your customers.</p>\r\n\r\n<ul>\r\n\t<li>The first category of integration redirects your customer away from your business’ website to pay. This is appropriate for businesses that don’t receive much online traffic. After your customer clicks on the payment link, they are taken to your payment processor’s page to enter their card details and make the payment, after which they are redirected to your website. An example of this type of payment gateway is PayPal.These payment gateways can be customized—for instance, adding your business’ name or logo to the checkout page. The drawback of this method is that your business cannot control the entire user experience since the gateway is external.</li>\r\n\t<li>With the next category, your customer stays within your website throughout the entire payment process and the payment itself is handled by a payment gateway. Once your customer enters the details within your business’s site, the information is sent to the payment gateway’s URL, where the actual transaction happens. Since your customer stays on your website throughout the purchase and is not redirected, this type of payment gateway is better for businesses that receive most of their revenue through online payments, because it provides a better customer experience. However, as you will be asking for your customer’s payment details through your own website, you need to take the necessary precautions to make sure their information is safe.</li>\r\n\t<li>The next type of payment gateway uses an API (Application Programming Interface). This type is similar to the previous one, in that customers enter their card details directly into the business’s online <a href="https://www.zoho.com/books/articles/make-better-and-more-effective-payment-pages.html" rel="noopener" target="_blank">payment page</a>, but here their payment is processed using an API. These payment gateways can be customized with your business’ name and logo and offer complete control over the user experience. Businesses using these need to take care of PCI compliance and SSL certification on their own.</li>\r\n</ul>\r\n\r\n<p>Overall, payment gateways simplify the online payment process for your business and help you receive payments faster, more conveniently, and with better security. If you are considering receiving online payments, or want to enhance the method you are already using, then a payment gateway is what you’re looking for.</p>\r\n</div>\r\n
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              <div class="article-content">\r\n<p>The recent growth of online payments is a testament to how crucial payment gateways are for your business.</p>\r\n\r\n<p>Payment gateways are services that process your business’ card transactions.&nbsp;They’re an asset&nbsp;to your business because they&nbsp;ensure safe and smooth&nbsp;transactions, and reduce&nbsp;losses associated with late payments.</p>\r\n\r\n<p>&nbsp;</p>\r\n\r\n<p>This article will walk you through what a payment gateway is, why they’re popular, how online payments work with them, and the different ways you can integrate with a payment gateway.</p>\r\n\r\n<h2 id="what-is-a-payment-gateway">What is a payment gateway?</h2>\r\n\r\n<p>In simple terms, a payment gateway is a network through which your customers transfer funds to you. Payment gateways are very similar to the point-of-sale terminals used at most brick and mortar stores. When using a payment gateway, customers and businesses need to work together to make a transaction.</p>\r\n\r\n<p>Once your customer has placed an order, the payment gateway verifies the customer’s card details and checks if they have enough funds in their account to pay you.</p>\r\n\r\n<h2 id="how-can-a-payment-gateway-benefit-my-business">How can a payment gateway benefit my business?</h2>\r\n\r\n<h3 id="convenience">Convenience</h3>\r\n\r\n<p>When you integrate with a payment gateway, it means that your customers can make purchases at any time, whether you’re minding the store or not. Allowing your customers to shop at their leisure adds convenience for them and for you.</p>\r\n\r\n<h3 id="faster-payments">Faster payments</h3>\r\n\r\n<p>As a business owner, you know that it is hard to get paid at all. Instead of having the hassle of agreeing to pay on a certain day and then forgetting to do so, many customers prefer to just pay instantly and get it over with. Payment gateways allow them to do just that, making it a win-win situation for both you and your customers.</p>\r\n\r\n<h3 id="better-security">Better security</h3>\r\n\r\n<p>Customers’ number one concern with online payments is security. As of 2017, loss resulting from credit card fraud in the United States amounted to <a href="https://www.statista.com/statistics/419628/payment-card-fraud-losses-usa-by-type/" rel="nofollow noopener" target="_blank">2.5 billion dollars</a>.</p>\r\n\r\n<p>Using payment gateways severely reduces the risk of credit card fraud for three main reasons:</p>\r\n\r\n<ul>\r\n\t<li>The customer’s card information is securely transmitted to the payment gateway. This means that only the customer and their issuing bank will be able to access their information.</li>\r\n\t<li>Every payment gateway must be compliant with PCI DSS standards, which means that they follow particular security standards to ensure that your customers’ card information is processed securely.</li>\r\n\t<li>Card services provide an additional security protocol called 3-D Secure. This requires the customer to create a password for every card that they use to make an online payment.</li>\r\n</ul>\r\n\r\n<h2 id="how-do-online-payments-work-with-a-payment-gateway">How do online payments work with a payment gateway?</h2>\r\n\r\n<p>Before we get into the actual process, here are some terms you’ll want to understand:</p>\r\n\r\n<h3 id="merchant-account">Merchant Account</h3>\r\n\r\n<p>A merchant account is a separate bank account that businesses use for their receivables. During a transaction, your customer’s payment is initially transferred to your merchant account, where it stays until you move it to your business’ regular bank account. You need both a payment gateway and a merchant account to accept online payments.</p>\r\n\r\n<h3 id="payment-processor">Payment Processor</h3>\r\n\r\n<p>When a business charges a customer for a purchase, a payment processor is the service that authorizes the customer’s card details to make sure that they have enough funds in their account to pay. If they do, then the payment processor authorizes the transaction and the payment is sent to the business’ account, and if not, the transaction is rejected.</p>\r\n\r\n<p>The steps below explain how online payments work with a payment gateway:</p>\r\n\r\n<h3 id="step-1">Step 1</h3>\r\n\r\n<p>When accepting online payments, start by setting up your website and <a href="https://www.zoho.com/finance/payments/direct-integration-with-payment-gateway.html">connecting it to a payment gateway</a>.</p>\r\n\r\n<h3 id="step-2">Step 2</h3>\r\n\r\n<p>Your customer makes a purchase from your website by clicking your payment link and entering their credit card or debit card details.</p>\r\n\r\n<h3 id="step-3">Step 3</h3>\r\n\r\n<p>The order and card details are sent to the payment gateway. The card information is securely transmitted to the payment gateway, so that only your customer and their bank will be able to access their card details.</p>\r\n\r\n<h3 id="step-4">Step 4</h3>\r\n\r\n<p>Next, the payment gateway verifies your customer’s card details and checks if they have sufficient funds to make the payment. If they do, then the payment gateway proceeds with the transaction. Additionally, the payment gateway prevents fraudulent activities with the help of anti-fraud tools.</p>\r\n\r\n<h3 id="step-5">Step 5</h3>\r\n\r\n<p>The payment gateway then takes over and sends a request to the customer’s issuing bank to initiate the transaction. The issuing bank then sends these funds to the merchant bank who then deposits them into the merchant account.</p>\r\n\r\n<h3 id="step-6">Step 6</h3>\r\n\r\n<p>The status of the transaction will be sent as a notification to the merchant. The payment gateway that you are using determines how long it takes to receive your payment. Most payments are received in real time, almost immediately after the transaction is complete, but some may take as long as 21 days if there are any errors in processing.</p>\r\n\r\n<h2 id="how-do-i-integrate-with-a-payment-gateway">How do I integrate with a payment gateway?</h2>\r\n\r\n<p>You have a few options for how to integrate with a payment gateway, depending on how you’d like to receive payments from your customers.</p>\r\n\r\n<ul>\r\n\t<li>The first category of integration redirects your customer away from your business’ website to pay. This is appropriate for businesses that don’t receive much online traffic. After your customer clicks on the payment link, they are taken to your payment processor’s page to enter their card details and make the payment, after which they are redirected to your website. An example of this type of payment gateway is PayPal.These payment gateways can be customized—for instance, adding your business’ name or logo to the checkout page. The drawback of this method is that your business cannot control the entire user experience since the gateway is external.</li>\r\n\t<li>With the next category, your customer stays within your website throughout the entire payment process and the payment itself is handled by a payment gateway. Once your customer enters the details within your business’s site, the information is sent to the payment gateway’s URL, where the actual transaction happens. Since your customer stays on your website throughout the purchase and is not redirected, this type of payment gateway is better for businesses that receive most of their revenue through online payments, because it provides a better customer experience. However, as you will be asking for your customer’s payment details through your own website, you need to take the necessary precautions to make sure their information is safe.</li>\r\n\t<li>The next type of payment gateway uses an API (Application Programming Interface). This type is similar to the previous one, in that customers enter their card details directly into the business’s online <a href="https://www.zoho.com/books/articles/make-better-and-more-effective-payment-pages.html" rel="noopener" target="_blank">payment page</a>, but here their payment is processed using an API. These payment gateways can be customized with your business’ name and logo and offer complete control over the user experience. Businesses using these need to take care of PCI compliance and SSL certification on their own.</li>\r\n</ul>\r\n\r\n<p>Overall, payment gateways simplify the online payment process for your business and help you receive payments faster, more conveniently, and with better security. If you are considering receiving online payments, or want to enhance the method you are already using, then a payment gateway is what you’re looking for.</p>\r\n</div>\r\n
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              <div class="article-content">\r\n<p>The recent growth of online payments is a testament to how crucial payment gateways are for your business.</p>\r\n\r\n<p>Payment gateways are services that process your business’ card transactions.&nbsp;They’re an asset&nbsp;to your business because they&nbsp;ensure safe and smooth&nbsp;transactions, and reduce&nbsp;losses associated with late payments.</p>\r\n\r\n<p>&nbsp;</p>\r\n\r\n<p>This article will walk you through what a payment gateway is, why they’re popular, how online payments work with them, and the different ways you can integrate with a payment gateway.</p>\r\n\r\n<h2 id="what-is-a-payment-gateway">What is a payment gateway?</h2>\r\n\r\n<p>In simple terms, a payment gateway is a network through which your customers transfer funds to you. Payment gateways are very similar to the point-of-sale terminals used at most brick and mortar stores. When using a payment gateway, customers and businesses need to work together to make a transaction.</p>\r\n\r\n<p>Once your customer has placed an order, the payment gateway verifies the customer’s card details and checks if they have enough funds in their account to pay you.</p>\r\n\r\n<h2 id="how-can-a-payment-gateway-benefit-my-business">How can a payment gateway benefit my business?</h2>\r\n\r\n<h3 id="convenience">Convenience</h3>\r\n\r\n<p>When you integrate with a payment gateway, it means that your customers can make purchases at any time, whether you’re minding the store or not. Allowing your customers to shop at their leisure adds convenience for them and for you.</p>\r\n\r\n<h3 id="faster-payments">Faster payments</h3>\r\n\r\n<p>As a business owner, you know that it is hard to get paid at all. Instead of having the hassle of agreeing to pay on a certain day and then forgetting to do so, many customers prefer to just pay instantly and get it over with. Payment gateways allow them to do just that, making it a win-win situation for both you and your customers.</p>\r\n\r\n<h3 id="better-security">Better security</h3>\r\n\r\n<p>Customers’ number one concern with online payments is security. As of 2017, loss resulting from credit card fraud in the United States amounted to <a href="https://www.statista.com/statistics/419628/payment-card-fraud-losses-usa-by-type/" rel="nofollow noopener" target="_blank">2.5 billion dollars</a>.</p>\r\n\r\n<p>Using payment gateways severely reduces the risk of credit card fraud for three main reasons:</p>\r\n\r\n<ul>\r\n\t<li>The customer’s card information is securely transmitted to the payment gateway. This means that only the customer and their issuing bank will be able to access their information.</li>\r\n\t<li>Every payment gateway must be compliant with PCI DSS standards, which means that they follow particular security standards to ensure that your customers’ card information is processed securely.</li>\r\n\t<li>Card services provide an additional security protocol called 3-D Secure. This requires the customer to create a password for every card that they use to make an online payment.</li>\r\n</ul>\r\n\r\n<h2 id="how-do-online-payments-work-with-a-payment-gateway">How do online payments work with a payment gateway?</h2>\r\n\r\n<p>Before we get into the actual process, here are some terms you’ll want to understand:</p>\r\n\r\n<h3 id="merchant-account">Merchant Account</h3>\r\n\r\n<p>A merchant account is a separate bank account that businesses use for their receivables. During a transaction, your customer’s payment is initially transferred to your merchant account, where it stays until you move it to your business’ regular bank account. You need both a payment gateway and a merchant account to accept online payments.</p>\r\n\r\n<h3 id="payment-processor">Payment Processor</h3>\r\n\r\n<p>When a business charges a customer for a purchase, a payment processor is the service that authorizes the customer’s card details to make sure that they have enough funds in their account to pay. If they do, then the payment processor authorizes the transaction and the payment is sent to the business’ account, and if not, the transaction is rejected.</p>\r\n\r\n<p>The steps below explain how online payments work with a payment gateway:</p>\r\n\r\n<h3 id="step-1">Step 1</h3>\r\n\r\n<p>When accepting online payments, start by setting up your website and <a href="https://www.zoho.com/finance/payments/direct-integration-with-payment-gateway.html">connecting it to a payment gateway</a>.</p>\r\n\r\n<h3 id="step-2">Step 2</h3>\r\n\r\n<p>Your customer makes a purchase from your website by clicking your payment link and entering their credit card or debit card details.</p>\r\n\r\n<h3 id="step-3">Step 3</h3>\r\n\r\n<p>The order and card details are sent to the payment gateway. The card information is securely transmitted to the payment gateway, so that only your customer and their bank will be able to access their card details.</p>\r\n\r\n<h3 id="step-4">Step 4</h3>\r\n\r\n<p>Next, the payment gateway verifies your customer’s card details and checks if they have sufficient funds to make the payment. If they do, then the payment gateway proceeds with the transaction. Additionally, the payment gateway prevents fraudulent activities with the help of anti-fraud tools.</p>\r\n\r\n<h3 id="step-5">Step 5</h3>\r\n\r\n<p>The payment gateway then takes over and sends a request to the customer’s issuing bank to initiate the transaction. The issuing bank then sends these funds to the merchant bank who then deposits them into the merchant account.</p>\r\n\r\n<h3 id="step-6">Step 6</h3>\r\n\r\n<p>The status of the transaction will be sent as a notification to the merchant. The payment gateway that you are using determines how long it takes to receive your payment. Most payments are received in real time, almost immediately after the transaction is complete, but some may take as long as 21 days if there are any errors in processing.</p>\r\n\r\n<h2 id="how-do-i-integrate-with-a-payment-gateway">How do I integrate with a payment gateway?</h2>\r\n\r\n<p>You have a few options for how to integrate with a payment gateway, depending on how you’d like to receive payments from your customers.</p>\r\n\r\n<ul>\r\n\t<li>The first category of integration redirects your customer away from your business’ website to pay. This is appropriate for businesses that don’t receive much online traffic. After your customer clicks on the payment link, they are taken to your payment processor’s page to enter their card details and make the payment, after which they are redirected to your website. An example of this type of payment gateway is PayPal.These payment gateways can be customized—for instance, adding your business’ name or logo to the checkout page. The drawback of this method is that your business cannot control the entire user experience since the gateway is external.</li>\r\n\t<li>With the next category, your customer stays within your website throughout the entire payment process and the payment itself is handled by a payment gateway. Once your customer enters the details within your business’s site, the information is sent to the payment gateway’s URL, where the actual transaction happens. Since your customer stays on your website throughout the purchase and is not redirected, this type of payment gateway is better for businesses that receive most of their revenue through online payments, because it provides a better customer experience. However, as you will be asking for your customer’s payment details through your own website, you need to take the necessary precautions to make sure their information is safe.</li>\r\n\t<li>The next type of payment gateway uses an API (Application Programming Interface). This type is similar to the previous one, in that customers enter their card details directly into the business’s online <a href="https://www.zoho.com/books/articles/make-better-and-more-effective-payment-pages.html" rel="noopener" target="_blank">payment page</a>, but here their payment is processed using an API. These payment gateways can be customized with your business’ name and logo and offer complete control over the user experience. Businesses using these need to take care of PCI compliance and SSL certification on their own.</li>\r\n</ul>\r\n\r\n<p>Overall, payment gateways simplify the online payment process for your business and help you receive payments faster, more conveniently, and with better security. If you are considering receiving online payments, or want to enhance the method you are already using, then a payment gateway is what you’re looking for.</p>\r\n</div>\r\n
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              <div class="article-content">\r\n<p>The recent growth of online payments is a testament to how crucial payment gateways are for your business.</p>\r\n\r\n<p>Payment gateways are services that process your business’ card transactions.&nbsp;They’re an asset&nbsp;to your business because they&nbsp;ensure safe and smooth&nbsp;transactions, and reduce&nbsp;losses associated with late payments.</p>\r\n\r\n<p>&nbsp;</p>\r\n\r\n<p>This article will walk you through what a payment gateway is, why they’re popular, how online payments work with them, and the different ways you can integrate with a payment gateway.</p>\r\n\r\n<h2 id="what-is-a-payment-gateway">What is a payment gateway?</h2>\r\n\r\n<p>In simple terms, a payment gateway is a network through which your customers transfer funds to you. Payment gateways are very similar to the point-of-sale terminals used at most brick and mortar stores. When using a payment gateway, customers and businesses need to work together to make a transaction.</p>\r\n\r\n<p>Once your customer has placed an order, the payment gateway verifies the customer’s card details and checks if they have enough funds in their account to pay you.</p>\r\n\r\n<h2 id="how-can-a-payment-gateway-benefit-my-business">How can a payment gateway benefit my business?</h2>\r\n\r\n<h3 id="convenience">Convenience</h3>\r\n\r\n<p>When you integrate with a payment gateway, it means that your customers can make purchases at any time, whether you’re minding the store or not. Allowing your customers to shop at their leisure adds convenience for them and for you.</p>\r\n\r\n<h3 id="faster-payments">Faster payments</h3>\r\n\r\n<p>As a business owner, you know that it is hard to get paid at all. Instead of having the hassle of agreeing to pay on a certain day and then forgetting to do so, many customers prefer to just pay instantly and get it over with. Payment gateways allow them to do just that, making it a win-win situation for both you and your customers.</p>\r\n\r\n<h3 id="better-security">Better security</h3>\r\n\r\n<p>Customers’ number one concern with online payments is security. As of 2017, loss resulting from credit card fraud in the United States amounted to <a href="https://www.statista.com/statistics/419628/payment-card-fraud-losses-usa-by-type/" rel="nofollow noopener" target="_blank">2.5 billion dollars</a>.</p>\r\n\r\n<p>Using payment gateways severely reduces the risk of credit card fraud for three main reasons:</p>\r\n\r\n<ul>\r\n\t<li>The customer’s card information is securely transmitted to the payment gateway. This means that only the customer and their issuing bank will be able to access their information.</li>\r\n\t<li>Every payment gateway must be compliant with PCI DSS standards, which means that they follow particular security standards to ensure that your customers’ card information is processed securely.</li>\r\n\t<li>Card services provide an additional security protocol called 3-D Secure. This requires the customer to create a password for every card that they use to make an online payment.</li>\r\n</ul>\r\n\r\n<h2 id="how-do-online-payments-work-with-a-payment-gateway">How do online payments work with a payment gateway?</h2>\r\n\r\n<p>Before we get into the actual process, here are some terms you’ll want to understand:</p>\r\n\r\n<h3 id="merchant-account">Merchant Account</h3>\r\n\r\n<p>A merchant account is a separate bank account that businesses use for their receivables. During a transaction, your customer’s payment is initially transferred to your merchant account, where it stays until you move it to your business’ regular bank account. You need both a payment gateway and a merchant account to accept online payments.</p>\r\n\r\n<h3 id="payment-processor">Payment Processor</h3>\r\n\r\n<p>When a business charges a customer for a purchase, a payment processor is the service that authorizes the customer’s card details to make sure that they have enough funds in their account to pay. If they do, then the payment processor authorizes the transaction and the payment is sent to the business’ account, and if not, the transaction is rejected.</p>\r\n\r\n<p>The steps below explain how online payments work with a payment gateway:</p>\r\n\r\n<h3 id="step-1">Step 1</h3>\r\n\r\n<p>When accepting online payments, start by setting up your website and <a href="https://www.zoho.com/finance/payments/direct-integration-with-payment-gateway.html">connecting it to a payment gateway</a>.</p>\r\n\r\n<h3 id="step-2">Step 2</h3>\r\n\r\n<p>Your customer makes a purchase from your website by clicking your payment link and entering their credit card or debit card details.</p>\r\n\r\n<h3 id="step-3">Step 3</h3>\r\n\r\n<p>The order and card details are sent to the payment gateway. The card information is securely transmitted to the payment gateway, so that only your customer and their bank will be able to access their card details.</p>\r\n\r\n<h3 id="step-4">Step 4</h3>\r\n\r\n<p>Next, the payment gateway verifies your customer’s card details and checks if they have sufficient funds to make the payment. If they do, then the payment gateway proceeds with the transaction. Additionally, the payment gateway prevents fraudulent activities with the help of anti-fraud tools.</p>\r\n\r\n<h3 id="step-5">Step 5</h3>\r\n\r\n<p>The payment gateway then takes over and sends a request to the customer’s issuing bank to initiate the transaction. The issuing bank then sends these funds to the merchant bank who then deposits them into the merchant account.</p>\r\n\r\n<h3 id="step-6">Step 6</h3>\r\n\r\n<p>The status of the transaction will be sent as a notification to the merchant. The payment gateway that you are using determines how long it takes to receive your payment. Most payments are received in real time, almost immediately after the transaction is complete, but some may take as long as 21 days if there are any errors in processing.</p>\r\n\r\n<h2 id="how-do-i-integrate-with-a-payment-gateway">How do I integrate with a payment gateway?</h2>\r\n\r\n<p>You have a few options for how to integrate with a payment gateway, depending on how you’d like to receive payments from your customers.</p>\r\n\r\n<ul>\r\n\t<li>The first category of integration redirects your customer away from your business’ website to pay. This is appropriate for businesses that don’t receive much online traffic. After your customer clicks on the payment link, they are taken to your payment processor’s page to enter their card details and make the payment, after which they are redirected to your website. An example of this type of payment gateway is PayPal.These payment gateways can be customized—for instance, adding your business’ name or logo to the checkout page. The drawback of this method is that your business cannot control the entire user experience since the gateway is external.</li>\r\n\t<li>With the next category, your customer stays within your website throughout the entire payment process and the payment itself is handled by a payment gateway. Once your customer enters the details within your business’s site, the information is sent to the payment gateway’s URL, where the actual transaction happens. Since your customer stays on your website throughout the purchase and is not redirected, this type of payment gateway is better for businesses that receive most of their revenue through online payments, because it provides a better customer experience. However, as you will be asking for your customer’s payment details through your own website, you need to take the necessary precautions to make sure their information is safe.</li>\r\n\t<li>The next type of payment gateway uses an API (Application Programming Interface). This type is similar to the previous one, in that customers enter their card details directly into the business’s online <a href="https://www.zoho.com/books/articles/make-better-and-more-effective-payment-pages.html" rel="noopener" target="_blank">payment page</a>, but here their payment is processed using an API. These payment gateways can be customized with your business’ name and logo and offer complete control over the user experience. Businesses using these need to take care of PCI compliance and SSL certification on their own.</li>\r\n</ul>\r\n\r\n<p>Overall, payment gateways simplify the online payment process for your business and help you receive payments faster, more conveniently, and with better security. If you are considering receiving online payments, or want to enhance the method you are already using, then a payment gateway is what you’re looking for.</p>\r\n</div>\r\n
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              <div class="article-content">\r\n<p>The recent growth of online payments is a testament to how crucial payment gateways are for your business.</p>\r\n\r\n<p>Payment gateways are services that process your business’ card transactions.&nbsp;They’re an asset&nbsp;to your business because they&nbsp;ensure safe and smooth&nbsp;transactions, and reduce&nbsp;losses associated with late payments.</p>\r\n\r\n<p>&nbsp;</p>\r\n\r\n<p>This article will walk you through what a payment gateway is, why they’re popular, how online payments work with them, and the different ways you can integrate with a payment gateway.</p>\r\n\r\n<h2 id="what-is-a-payment-gateway">What is a payment gateway?</h2>\r\n\r\n<p>In simple terms, a payment gateway is a network through which your customers transfer funds to you. Payment gateways are very similar to the point-of-sale terminals used at most brick and mortar stores. When using a payment gateway, customers and businesses need to work together to make a transaction.</p>\r\n\r\n<p>Once your customer has placed an order, the payment gateway verifies the customer’s card details and checks if they have enough funds in their account to pay you.</p>\r\n\r\n<h2 id="how-can-a-payment-gateway-benefit-my-business">How can a payment gateway benefit my business?</h2>\r\n\r\n<h3 id="convenience">Convenience</h3>\r\n\r\n<p>When you integrate with a payment gateway, it means that your customers can make purchases at any time, whether you’re minding the store or not. Allowing your customers to shop at their leisure adds convenience for them and for you.</p>\r\n\r\n<h3 id="faster-payments">Faster payments</h3>\r\n\r\n<p>As a business owner, you know that it is hard to get paid at all. Instead of having the hassle of agreeing to pay on a certain day and then forgetting to do so, many customers prefer to just pay instantly and get it over with. Payment gateways allow them to do just that, making it a win-win situation for both you and your customers.</p>\r\n\r\n<h3 id="better-security">Better security</h3>\r\n\r\n<p>Customers’ number one concern with online payments is security. As of 2017, loss resulting from credit card fraud in the United States amounted to <a href="https://www.statista.com/statistics/419628/payment-card-fraud-losses-usa-by-type/" rel="nofollow noopener" target="_blank">2.5 billion dollars</a>.</p>\r\n\r\n<p>Using payment gateways severely reduces the risk of credit card fraud for three main reasons:</p>\r\n\r\n<ul>\r\n\t<li>The customer’s card information is securely transmitted to the payment gateway. This means that only the customer and their issuing bank will be able to access their information.</li>\r\n\t<li>Every payment gateway must be compliant with PCI DSS standards, which means that they follow particular security standards to ensure that your customers’ card information is processed securely.</li>\r\n\t<li>Card services provide an additional security protocol called 3-D Secure. This requires the customer to create a password for every card that they use to make an online payment.</li>\r\n</ul>\r\n\r\n<h2 id="how-do-online-payments-work-with-a-payment-gateway">How do online payments work with a payment gateway?</h2>\r\n\r\n<p>Before we get into the actual process, here are some terms you’ll want to understand:</p>\r\n\r\n<h3 id="merchant-account">Merchant Account</h3>\r\n\r\n<p>A merchant account is a separate bank account that businesses use for their receivables. During a transaction, your customer’s payment is initially transferred to your merchant account, where it stays until you move it to your business’ regular bank account. You need both a payment gateway and a merchant account to accept online payments.</p>\r\n\r\n<h3 id="payment-processor">Payment Processor</h3>\r\n\r\n<p>When a business charges a customer for a purchase, a payment processor is the service that authorizes the customer’s card details to make sure that they have enough funds in their account to pay. If they do, then the payment processor authorizes the transaction and the payment is sent to the business’ account, and if not, the transaction is rejected.</p>\r\n\r\n<p>The steps below explain how online payments work with a payment gateway:</p>\r\n\r\n<h3 id="step-1">Step 1</h3>\r\n\r\n<p>When accepting online payments, start by setting up your website and <a href="https://www.zoho.com/finance/payments/direct-integration-with-payment-gateway.html">connecting it to a payment gateway</a>.</p>\r\n\r\n<h3 id="step-2">Step 2</h3>\r\n\r\n<p>Your customer makes a purchase from your website by clicking your payment link and entering their credit card or debit card details.</p>\r\n\r\n<h3 id="step-3">Step 3</h3>\r\n\r\n<p>The order and card details are sent to the payment gateway. The card information is securely transmitted to the payment gateway, so that only your customer and their bank will be able to access their card details.</p>\r\n\r\n<h3 id="step-4">Step 4</h3>\r\n\r\n<p>Next, the payment gateway verifies your customer’s card details and checks if they have sufficient funds to make the payment. If they do, then the payment gateway proceeds with the transaction. Additionally, the payment gateway prevents fraudulent activities with the help of anti-fraud tools.</p>\r\n\r\n<h3 id="step-5">Step 5</h3>\r\n\r\n<p>The payment gateway then takes over and sends a request to the customer’s issuing bank to initiate the transaction. The issuing bank then sends these funds to the merchant bank who then deposits them into the merchant account.</p>\r\n\r\n<h3 id="step-6">Step 6</h3>\r\n\r\n<p>The status of the transaction will be sent as a notification to the merchant. The payment gateway that you are using determines how long it takes to receive your payment. Most payments are received in real time, almost immediately after the transaction is complete, but some may take as long as 21 days if there are any errors in processing.</p>\r\n\r\n<h2 id="how-do-i-integrate-with-a-payment-gateway">How do I integrate with a payment gateway?</h2>\r\n\r\n<p>You have a few options for how to integrate with a payment gateway, depending on how you’d like to receive payments from your customers.</p>\r\n\r\n<ul>\r\n\t<li>The first category of integration redirects your customer away from your business’ website to pay. This is appropriate for businesses that don’t receive much online traffic. After your customer clicks on the payment link, they are taken to your payment processor’s page to enter their card details and make the payment, after which they are redirected to your website. An example of this type of payment gateway is PayPal.These payment gateways can be customized—for instance, adding your business’ name or logo to the checkout page. The drawback of this method is that your business cannot control the entire user experience since the gateway is external.</li>\r\n\t<li>With the next category, your customer stays within your website throughout the entire payment process and the payment itself is handled by a payment gateway. Once your customer enters the details within your business’s site, the information is sent to the payment gateway’s URL, where the actual transaction happens. Since your customer stays on your website throughout the purchase and is not redirected, this type of payment gateway is better for businesses that receive most of their revenue through online payments, because it provides a better customer experience. However, as you will be asking for your customer’s payment details through your own website, you need to take the necessary precautions to make sure their information is safe.</li>\r\n\t<li>The next type of payment gateway uses an API (Application Programming Interface). This type is similar to the previous one, in that customers enter their card details directly into the business’s online <a href="https://www.zoho.com/books/articles/make-better-and-more-effective-payment-pages.html" rel="noopener" target="_blank">payment page</a>, but here their payment is processed using an API. These payment gateways can be customized with your business’ name and logo and offer complete control over the user experience. Businesses using these need to take care of PCI compliance and SSL certification on their own.</li>\r\n</ul>\r\n\r\n<p>Overall, payment gateways simplify the online payment process for your business and help you receive payments faster, more conveniently, and with better security. If you are considering receiving online payments, or want to enhance the method you are already using, then a payment gateway is what you’re looking for.</p>\r\n</div>\r\n
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      "promote" =>Drupal\Core\Field\Entity\BaseFieldOverride {#6855
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      "sticky" =>Drupal\Core\Field\BaseFieldDefinition {#2021
        #definition: array:9 [
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          #definition: array:2 [ …2]
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      "revision_default" =>Drupal\Core\Field\BaseFieldDefinition {#2032
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          #definition: array:2 [ …2]
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      "moderation_state" =>Drupal\Core\Field\BaseFieldDefinition {#6718
        #definition: array:12 [
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          #definition: array:2 [ …2]
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      "metatag" =>Drupal\Core\Field\BaseFieldDefinition {#2048
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        #itemDefinition: Drupal\Core\Field\TypedData\FieldItemDataDefinition {#2051
          #definition: array:2 [ …2]
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      "path" =>Drupal\Core\Field\BaseFieldDefinition {#2052
        #definition: array:8 [
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      "publish_on" =>Drupal\Core\Field\BaseFieldDefinition {#2055
        #definition: array:9 [
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      "unpublish_on" =>Drupal\Core\Field\BaseFieldDefinition {#2058
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      "publish_state" =>Drupal\Core\Field\BaseFieldDefinition {#2061
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      "unpublish_state" =>Drupal\Core\Field\BaseFieldDefinition {#2064
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      "menu_link" =>Drupal\Core\Field\BaseFieldDefinition {#2067
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      "content_translation_source" =>Drupal\Core\Field\BaseFieldDefinition {#2071
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      "content_translation_outdated" =>Drupal\Core\Field\BaseFieldDefinition {#2075
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      "node_read_time" =>Drupal\Core\Field\BaseFieldDefinition {#2081
        #definition: array:8 [
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          "computed" =>true
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        #typedDataManager: null
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      "body" =>Drupal\field\Entity\FieldConfig {#6841
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        ]
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          "config" =>array:2 [ …2]
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        ]
        #isSyncing: false
        #id: "node.article_content.body"
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        #deleted: false
        +original: ? Drupal\field\Entity\FieldConfig}
      "field_add_rhs_section" =>Drupal\field\Entity\FieldConfig {#6838
        #entityTypeId: "field_config"
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        ]
        #cacheTags: []
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        #originalId: "node.article_content.field_add_rhs_section"
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          "config" =>array:2 [ …2]
        ]
        #isSyncing: false
        #id: "node.article_content.field_add_rhs_section"
        #field_name: "field_add_rhs_section"
        #field_type: "boolean"
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        #label: "Add RHS Section ?"
        #description: ""
        #settings: array:2 [
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        #default_value: array:1 [0 =>array:1 [ …1]
        ]
        #default_value_callback: ""
        #fieldStorage: null
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        #deleted: false
        +original: ? Drupal\field\Entity\FieldConfig}
      "field_categories" =>Drupal\field\Entity\FieldConfig {#6806
        #entityTypeId: "field_config"
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        ]
        #cacheTags: []
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        #originalId: "node.article_content.field_categories"
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        #uuid: "58a7c1da-317b-4fe8-afef-99482405df02"
        -isUninstalling: false
        #langcode: "en"
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        #trustedData: false
        #dependencies: array:1 [
          "config" =>array:3 [ …3]
        ]
        #isSyncing: false
        #id: "node.article_content.field_categories"
        #field_name: "field_categories"
        #field_type: "entity_reference"
        #entity_type: "node"
        #bundle: "article_content"
        #label: "Categories"
        #description: ""
        #settings: array:2 [
          "handler" => "default:node"
          "handler_settings" =>array:4 [ …4]
        ]
        #required: true
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        #default_value: []
        #default_value_callback: ""
        #fieldStorage: null
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        #deleted: false
        +original: ? Drupal\field\Entity\FieldConfig}
      "field_comments" =>Drupal\field\Entity\FieldConfig {#6778
        #entityTypeId: "field_config"
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        ]
        #cacheTags: []
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        #_serviceIds: []
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        #originalId: "node.article_content.field_comments"
        #status: true
        #uuid: "1c1c62a4-90a1-4bfc-bc23-27ca6fadcf67"
        -isUninstalling: false
        #langcode: "en"
        #third_party_settings: []
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        #trustedData: false
        #dependencies: array:2 [
          "config" =>array:2 [ …2]
          "module" =>array:1 [ …1]
        ]
        #isSyncing: false
        #id: "node.article_content.field_comments"
        #field_name: "field_comments"
        #field_type: "comment"
        #entity_type: "node"
        #bundle: "article_content"
        #label: "Comments"
        #description: ""
        #settings: array:5 [
          "default_mode" =>0
          "per_page" =>50
          "anonymous" =>0
          "form_location" =>true
          "preview" =>0]
        #required: false
        #translatable: true
        #default_value: array:1 [0 =>array:6 [ …6]
        ]
        #default_value_callback: ""
        #fieldStorage: null
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        #deleted: false
        +original: ? Drupal\field\Entity\FieldConfig}
      "field_compliance" =>Drupal\field\Entity\FieldConfig {#6776
        #entityTypeId: "field_config"
        #enforceIsNew: null
        #typedData: null
        #cacheContexts: array:1 [0 => "languages:language_interface"
        ]
        #cacheTags: []
        #cacheMaxAge: -1
        #_serviceIds: []
        #_entityStorages: []
        #originalId: "node.article_content.field_compliance"
        #status: true
        #uuid: "4e92e69d-73db-434a-937e-687bcc9c6c70"
        -isUninstalling: false
        #langcode: "en"
        #third_party_settings: []
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        #trustedData: false
        #dependencies: array:1 [
          "config" =>array:3 [ …3]
        ]
        #isSyncing: false
        #id: "node.article_content.field_compliance"
        #field_name: "field_compliance"
        #field_type: "entity_reference"
        #entity_type: "node"
        #bundle: "article_content"
        #label: "Compliance"
        #description: ""
        #settings: array:2 [
          "handler" => "default:taxonomy_term"
          "handler_settings" =>array:4 [ …4]
        ]
        #required: false
        #translatable: true
        #default_value: []
        #default_value_callback: ""
        #fieldStorage: null
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        #constraints: []
        #propertyConstraints: []
        #deleted: false
        +original: ? Drupal\field\Entity\FieldConfig}
      "field_compliance_state" =>Drupal\field\Entity\FieldConfig {#6775
        #entityTypeId: "field_config"
        #enforceIsNew: null
        #typedData: null
        #cacheContexts: array:1 [0 => "languages:language_interface"
        ]
        #cacheTags: []
        #cacheMaxAge: -1
        #_serviceIds: []
        #_entityStorages: []
        #originalId: "node.article_content.field_compliance_state"
        #status: true
        #uuid: "c5c1342a-f81a-4e87-a9f1-d1925b3b3572"
        -isUninstalling: false
        #langcode: "en"
        #third_party_settings: []
        #_core: []
        #trustedData: false
        #dependencies: array:1 [
          "config" =>array:3 [ …3]
        ]
        #isSyncing: false
        #id: "node.article_content.field_compliance_state"
        #field_name: "field_compliance_state"
        #field_type: "entity_reference"
        #entity_type: "node"
        #bundle: "article_content"
        #label: "Compliance State"
        #description: ""
        #settings: array:2 [
          "handler" => "default:taxonomy_term"
          "handler_settings" =>array:4 [ …4]
        ]
        #required: false
        #translatable: true
        #default_value: []
        #default_value_callback: ""
        #fieldStorage: null
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        #deleted: false
        +original: ? Drupal\field\Entity\FieldConfig}
      "field_filter_type" =>Drupal\field\Entity\FieldConfig {#6774
        #entityTypeId: "field_config"
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        ]
        #cacheTags: []
        #cacheMaxAge: -1
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        #originalId: "node.article_content.field_filter_type"
        #status: true
        #uuid: "4b3c7971-2ca0-4e1a-bd68-3c7403ad7bb7"
        -isUninstalling: false
        #langcode: "en"
        #third_party_settings: []
        #_core: []
        #trustedData: false
        #dependencies: array:1 [
          "config" =>array:3 [ …3]
        ]
        #isSyncing: false
        #id: "node.article_content.field_filter_type"
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        +original: ? Drupal\field\Entity\FieldConfig}
      "field_html_block_end" =>Drupal\field\Entity\FieldConfig {#6843
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      "field_media_source" =>Drupal\field\Entity\FieldConfig {#6854
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          "config" =>array:3 [ …3]
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        #fieldStorage: Drupal\field\Entity\FieldStorageConfig {#6884
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      "field_metatags" =>Drupal\field\Entity\FieldConfig {#6752
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        +original: ? Drupal\field\Entity\FieldConfig}
      "field_need_image" =>Drupal\field\Entity\FieldConfig {#6853
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          "config" =>array:2 [ …2]
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        #id: "node.article_content.field_need_image"
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          "off_label" => "Off"
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        +original: ? Drupal\field\Entity\FieldConfig}
      "field_post_created_by_author" =>Drupal\field\Entity\FieldConfig {#6851
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      "field_primary_category" =>Drupal\field\Entity\FieldConfig {#6852
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      "field_tags" =>Drupal\field\Entity\FieldConfig {#6842
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        +original: ? Drupal\field\Entity\FieldConfig}
      "field_title_description" =>Drupal\field\Entity\FieldConfig {#6790
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      "field_topics" =>Drupal\field\Entity\FieldConfig {#6756
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        #fieldStorage: Drupal\field\Entity\FieldStorageConfig {#6777
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      "og_audience" =>Drupal\field\Entity\FieldConfig {#6755
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 ""