What is a payment gateway?
Simply payment gateways are a service that authorizes credit card payments for online retailers. In Australia and globally there are many payment gateway service providers to choose from. It can be very confusing. At CoolCat Web Design we install, setup and configure many different payment gateways depending on your business needs. We also advise our clients to give their customers more than one payment option. Thus having a Paypal payment option as well as Credit Card processing can be an advantage. We advise on the best payment gateways given your current and future projected sales volume.
Good Payment Gateways
Payment gateways are essential for any online business. A good payment gateway will provide the following:
- Fast easy payments
- Safe and secure transaction processing (SSL)
- Builds customer trust
- Excellent merchant support, phone, email & live chat
- Merchant Web portal with stats and an easy way to provide customer refunds
Third Party Payment Processor
There are also Third Party Processors to consider. At this time the world’s largest Third Party Processor is Paypal. Many people prefer to pay via Paypal when shopping online, as Paypal has some additional safety built in to its payment system. With PayPal if an eligible item you’ve purchased online doesn’t arrive or arrives significantly different to the seller’s description, PayPal can reimburse you for the full purchase price plus shipping costs, up to $20,000 per item.
At CoolCat Web Design we can help with setting up and configuring your Paypal Merchant account. So that your site is ready to process Paypal payments and deposit the funds into your business bank account.
Payment Gateways & PCI Compliance
Usually when you apply for an account with aPayment Gateways provider such as eWAY, SecurePay or through a Bank like NAB transact, you will be asked if your website complies with the PCI DSS standard. PCI DSS (Payment Card Industry Data Security Standard) Compliance is a set of standards designed to help ensure that customer’s credit card information is always kept as safe as possible during processing.
SSL certificates: Secure Shopping:-
Any ecommerce site should have, at the very least, the Shop / shopping cart / checkout, encrypted with SSL. That’s when you can see the padlock symbol in the top left of your browser window. At CoolCat Web Design we make sure that the ENTIRE site is protected by an SSL certificate. Your customers get peace of mind with the padlock visible in the top left corner of their browser. Also importantly for your sites SEO Google is now attributing more page authority to HTTPS sites protected by SSL certificates. More information is available here: Google Gives Search Algorithm Boost to Secure Sites