The main task of a payment gateway is that you can process credit card information online. While there are many payment gateways that ensure conducting such a service takes place in a flawless and stress-free manner, the best secure payment service in the UAE ensures the entire process, right from the beginning all the way to the very end, moves forward conveniently. Here are the steps of how a payment gateway process works on a regular basis.

Submitting the order

The payment gateway process first begins when a customer orders a product from a payment gateway enabled merchant. Once the order is submitted, the payment gateway performs an array of tasks to process the transaction. Placing an order usually involves a customer clicking ‘buy’ or an equivalent alternative or even entering the card details on the merchant website.

Encrypting information and forwarding towards the merchant’s site

If the order is placed through the website, the customer’s web browser encrypts the information that is to be sent to the web server of the merchant. In other situations, this is performed through the help of the Secure Socket Layer (SSL).

Transferring information from merchant’s site to the payment gateway

Transferring information from the site of the merchant to the payment gateway involves an SSL encrypted connection from the merchant’s server site to the payment server hosted by the payment gateway.

Transaction information is sent

The payment gateway then proceeds to send transaction information to the payment processor. The transaction information is usually sent using the merchant’s acquiring bank. Following this, the payment processor forwards transaction information to the card association which acts like an issuing bank. It offers an approval or declination to the payment gateway. The best secure payment service ensures this process is performed as flawlessly as possible.

Verification of the authorization request

The card association verifies the authorization request and sends an appropriate response back to the processor. It also lets you know about the success or failure of the request and its reason. The payment processor then forwards this information to the payment gateway.

Recording your transactions

The payment gateway then forwards this information to the merchant website. This takes around two to three seconds. Following this process known as authorization, the merchant fulfills the order and the payment gateway groups all your transactions together and sends them over to the merchant’s acquiring bank in a single batch. The payment gateways also keep a track of your transactions so you can easily view them with the help of payment report facilities.

These steps help to complete a single payment gateway process. When choosing the best secure payment service for your business, it is important to make sure that the basic function of transmitting and receiving credit card transaction data via the internet takes place successfully. While choosing the most apt gateway, see that you pick one that comes with several useful extra features. This ensures that you get to use the payment gateway more efficiently and it can be put to the test in a multifunctional manner.