Integrating A Payment Gateway Into Your Website

Jun 28, 2020

Payment gateways are a valuable tool that process both debit and credit cards online and in offline stores. Sensitive card information is securely sent between mobile devices/ websites and banks/payment processors. 

Integrating a payment gateway into your website can ensure that your customers experience a seamless and safe transaction. It is like having a virtual point of sale terminal. To further protect your website from fraudulent attacks, a payment gateway has the capacity to encrypt all confidential information, such as the credit card number, the CVV code, and the expiration date. 

Two Types Of Payment Gateways

Although there are payment gateways that you can create custom for your website, this rarely makes sense financially. Why? You will be looking at an investment upwards of $150K. Adding to that, you will also need to create a highly detailed documentation, keeping in mind financial regulations as well as PCI Compliance

So it makes better sense to search for ready-made solutions already existing in the market. There are two types of payment gateways to look into: non-hosted and hosted.

  • Non-hosted/integrated payment gateways: These types of gateways can be seamlessly integrated into your website and maintain the user on your website and platform, not redirected off to pay somewhere else. However, as the merchant, you need to ensure that you implement adequate fraud protection, safe cardholder information storage, and PCI Compliance. 
  • Hosted payment gateways: These gateways do tend to redirect your customers away from your website to complete the transaction. Once the purchase is complete, the customer is redirected again, back to your website. These payment gateways do take care of all security required during the transaction phase. They are also simple to integrate into your website. The problem is that you are not in control with what happens after the customer is navigated away from your website. The customer can easily navigate away and get distracted. 

Pinwheel Pay

A great example of a hosted payment gateway is Pinwheel Pay. Pinwheel Pay is a robust payment gateway and integration tool that offers merchants a wide variety of features. Some of its renowned properties include multi currency conversion, 3D Secure, cryptocurrency processing, and it can even be integrated into Shopify

Its Pro Plan fee structure includes:

  • .10¢ per transaction revenue
  • .6% fee on all Pinwheel volume
  • *$50 monthly minimum
  • No application or setup fees
  • No annual fees

Let’s look at an example on how Pinwheel Pay integrates with 3Dcart:

  1. Set up an account with PinwheelPay.
  2. Go to Settings>Payment
  3. Where it says “Payment Methods”, click on “Select Payment”
  4. At the top right of the page, click “+Add New”
  5. Fill in your payment gateway parameters such as “Country/State”, “Min/Max Order Amount”, and “Customer Group”, basically anything that applies to this payment method.
  6. Select the payment method you’d like to add using the “Payment Method” drop down menu.
  7. Once ready, simply click the “+Add Button” to add it to your store.

Once the payment method has been created, it will then be added to your store’s list of preferred gateways. Click on the “Settings” link for the payment method to enter your account specific information with that particular method. (This information will be provided to you by the payment gateway service).  

That’s it!

Pinwheel Pay Has What You Need

Pinwheel Pay offers straightforward and honest pricing. You don’t have to worry about sleazy or misleading tactics. If you want to partner with a payment gateway that you can entrust your customers and sales to, look no further than Pinwheel Pay.

Let us help you get a high risk merchant account today!

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Having a merchant account allows an account holder to take advantage of merchant cash advances. When a merchant is approved for an advance, the business agrees to receive a lump sum of cash in exchange for an agreed-upon percentage of future credit card sales.

Pricing varies depending on the merchant’s industry, past credit card processing history, the type of business seeking the account, average ticket sales, and average transaction volumes.

Yes, EMB works with merchants who are building their credit, as well as those who have poor credit. EMB also approves merchants that have no credit card processing history and businesses that have lost their merchant accounts due to high chargebacks.

Several factors influence a merchant’s risk level. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online.

Virtual terminals are stationed on a merchant’s website, making it easy for customers to make a payment or purchase online. Merchants or a payment processor can easily set up virtual terminals, so online businesses can accept credit and debit card and e-check transactions.

A merchant account is a business account with an acquiring bank. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. Businesses need a merchant account to accept major credit cards via a static point-of-sale terminal, mobile card reader, or through a virtual payment gateway.

After filling out EMB’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

EMB specializes in working with high-risk merchants. EMB works with many merchants, including but not limited to businesses in these industries: gambling and gaming, adult entertainment, nutraceuticals, vaping and e-cigarettes, electronics, tech support, travel, high-end furniture, weight loss programs, calling cards, e-books and software, and telecommunications.

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