Merchant Payment Integration Options

Product facts

Merchant application landscapes can be very diverse and complex, parts are changing fast and others are staying over time. There is no one size fits all but you need to have flexible options that can be embedded perfectly into your landscape and covers your needs best. You can choose from:

  • COPY and PAY easy merchant integration in minutes with merchant hosted payment page
  • Classic hosted payment page
  • Full-featured XML API
  • Simple-to-use HTTP POST key-value-pair API
  • Batch processing
  • Virtual terminal
  • Mobile Commerce and Mobile Point of Sale SDK and full white label solutions
  • Wide selection of shop engine payment plugins

Benefits

  • Get online quickly to start earning money faster
  • Options that can be used fast but still customized to your needs
  • Pick the right options that fit into your existing application landscape and workflows
  • Easy switch from and to other integrations
  • Generate customer trust with PCI DSS compliance
  • Integrate with every aspect of all payment related back office system

Functionality

By applying COPY and PAY, our new merchant integration option, merchants can integrate a self-hosted payment page within minutes and still maintain full control on their look and feel. Alternatively to fit existing portfolios we continue to provide and support a classic hosted payment page. Both options require minimum PCI compliance efforts.
The XML and HTTP POST APIs allows merchants to send in online payment transactions while maintaining full end-to-end control over the user experience as well as integrating their back offices with the payment gateway.

For integrating your back office for example the logistics or order management solutions that generate large number of transactions at the same time, such as SAP R/3, there is a high-performance batch processing interface available

The virtual terminal user interface is optimized for fast data entry by call center agents.
Mobile Point of Sale (mPOS) allows merchants to accept card-present transactions at the point of sale on mobile devices using magnetic stripe readers as well as EMV certified Chip &PIN setups.
Mobile Commerce (mCommerce) allows shoppers to pay on their mobile devices in mobile applications from shopper apps to mobile wallets.
Merchant that use popular shop engines just download and install the appropriate payment plug-in.

Technical features

Please refer to the following feature matrix to help you find out which integration options fit your business best.

Integration options

Reduce PCI complexity*

Typical use case

Merchant size

End to end control of user experience

Ease of integration

Backoffice triggered transaction

Shopper triggered transaction

XML-API

POST API

 

Payment processor, PCI certified merchant OR backed integration when using payment page

Medium/Large

Complex

Moderate

COPY and PAY Merchant hosted payment page

Quick Rollout and On boarding with great flexibility

Small to large depending on customisation level

 

Instant

 

 

 

Classic hosted payment page

“Classic option” for outsourcing PCI and payment flows

Medium/ large

 

 

Easy

 

 

 

 

Batch processing

 

Back office integration such as order management

Large

 

 

Complex

 

 

 

 

Virtual terminal

Call centre

All

 

 

Instant

 

 

 

 

 

Mobile Commerce

In-app sales, mobile wallets

Small/mediuml

 

 

Easy

 

 

 

 

Mobile POS

mobile POS merchants

Small

 

 

Moderate

 

 

 

 

Shop engine payment plugins

Standard shop system

Small/medium

 

 

Easy

 

 

 

 

*For more information please refer to:https://www.pcisecuritystandards.org/documents/pci_dss_saq_instr_guide_v2.0.pdf