How Online Payment Gateways Work

An online payment gateway links a commercial/transactional portal or website and -normally- a bank. This technique starts when the cardholder enter his/hers details after having performed a purchase International payment gateway in Pakistan on the website. The info is then encrypted at the cardholder’s browser side and securely delivered to the merchant website. Only at that stage the encrypted information is forwarded from the merchant server to the payment gateway on a Secure Socket Layer encryption, which connects the processor used by the merchant’s acquiring back. The processor forwards the transaction information to the charge card interchange, which then routes it to the issuing bank.

The reverse process happens within seconds as well, and combined with issuing bank’s response various other details, such as for example: a notification code, the transaction status and the reasons why the transaction could not take effect -if any, are delivered to the cardholder. Quite simply, these records passes by the charge card interchange, the acquirer processor, the payment gateway, the merchant’s website and finally reaches the cardholder.

Apart from the above steps, the remaining portion of the transaction happens in a different timeframe, and it implies the delivery of the merchandise and the money transfers from the acquiring bank to the merchant’s nominated account.

Amongst other options merchants can take advantage of out of online payment gateways, you can list: authorize transactions, make refunds and capture payments by accessing the actual time reports and tools put up for these purposes. In a few occasions, online payment gateways also allow merchants to easily work with different currencies and card types.

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