Payment Gateways Act As The Middleman Between You And The Product

By Author: Shilpika Ponnappa
Total Articles: 428
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An e-commerce application service provider is known as, a payment gateway. This is the service that authorizes payments for e-businesses and online retailers making it easier for the customers to just order and pay online instead of physically going in search of the product.

Many think that payment gateways might not be a safe podium to reveal their card details like the card number and personal information’s about you, instead it protects credit card details from leaking and taken advantage of by encrypting sensitive information, to just make sure that all the information like the credit numbers are passed securely between the customer and the merchant only and also between the merchants and the payment processors only, carving the path for the smooth transaction to take place without any glitches.

Payment gateway act as the medium that facilitates the transferring of the information and making payments between a payment portal such as mobile phones and websites, with the bank. A customer can place his/her orders and shop online i.e. on website by entering their card details which the browser encrypts the information ...
... to be passed on further, using an automatic phone answering service. After the information is sent the merchant then forwards the transaction details to the payment gateway. Then the payment is accepted by the bank that has issued the credit card only after it receives the authorization request and then the bank sends the response back to the processor through which the entire transaction is taking place which further passes on the response to the payment gateway. Payment gateway receives the response and forwards it further to the website where it is interpreted and verified as a relevant response and answer back to the cardholder and the merchant taking forward the entire transaction and this is how the entire process actualizes. this entire process might seem too long instead is of just 2-3 seconds and response it delivered right away confirming the process to be completed and conveying the positive response of delivering the product in few days or hours accordingly.

Security surveillance is provided and the details provided by the customer are taken good care of and not let anyone know about it. Since the customer has to just provide the personal details, the entire communications is often carried out through the HTTPS protocol and to validate the request of the payment, the signed request is often used. Since there are many television channels those showcase and sell the products on television and the same happens on websites too and to make the entire process of payments to be made and the product to be delivered is made easy only by the payment gateway which behaves at the middle man.

Shilpika Ponnappa,
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