Singapore Web Design and Development Company

Payment Gateway Integration

eCommerce and eBusiness is a growing trend that is becoming ever so important in our daily lives,  everything from online shop to government bills to utilities bill, we are seeing more and more people making transaction online. Underlying this growth is the ability to make payment online, that is with the help of payment gateway, online credit card payment etc.. By integrating online payment gateway to your business, your customers can transact with you more conveniently, with this convenience brings about more frequent usage of your services and ultimately increases your sales.

In essence, an online payment gateway typically works in the following manner:

  1. Your customer selects to make a purchase on your website and checks out.
  2. Your customer is then directed to the payment gateway secured site.
  3. Your customer enters credit card information and confirm the payment.
  4. The payment gateway will route the authorisation request to the credit card issuing bank for verification and the bank will return a status for the request whether it is successful or failed.
  5. If not successful, your customer will be prompted to use another card or cancel. Upon successful payment, your customer will be notified and directed back to your site to continue surfing.
  6. You as the merchant will login to the merchant admin area to confirm the transaction. Funds settlements will be made according to the arrangement with the payment gateway.

Listed are some online payment gateways that are commonly used in Singapore and also which we have experience in deploying:

  • eNets payment gateway solutioneNETS is one of the online payment gateways in Singapore, offering online credit card and debit card payment products. Credit cards supported by eNETS are namely American Express, JCB Credit Cards, MasterCard and Visa. Key feature about eNETS is that they allow Internet Banking users to perform Direct Debit from their DBS/POSB, UOB or Citibank accounts, thus even users without Credit Card can make purchase from you.
  • worldpay payment gateway solutionRBS WorldPay is the payment processing business of The Royal Bank of Scotland Group, one of the largest banks in the world. They operate in over 40 countries and they have a local office in Singapore. WorldPay merchant accounts accept all major credit and debit cards and also accept payment in a wide range of currencies.
  • Sign up for PayPal and start accepting credit card payments  instantly.PayPal offers different Payment Solutions to cater to different business needs. Each buyer needs to setup PayPal account in order to make payment. The main benefit of using PayPal is that they do not charge a setup fee nor annual recurring fee and thus there is no term contract and application is instant.
  • telemoney online credit card paymentTeleMoney is an innovative mobile payments service that enables the use of the mobile phone as an identification and authentication device for making convenient and secure payments. TeleMoney can be used over multiple channels including Internet, mobile and proximity (over-the-counter) and it supports multiple payment choices.
  • cherry creditsCherry Credits  provides a Micropayment Solution to assist Online Content Developers, Aggregators and Publishers penetrate into untapped consumer bases worldwide. Cherry Credits uses Physical Scratch Cards, which can be purchased via island-wide convenience stores to top up Cherry Credits, which in turn serves as an alternative payment format, allowing Merchants and Consumers to replace the dominant use of Credit Cards. Ideal for businesses targeting young customer base where Credit Card is not prevalent.

Interested in Payment Gateway Integration?
Please contact us to arrange a consultation session with you.