Payment Gateway
Integration
Seamless, Secure, and Rapid Transactions for your E-Commerce Store
Payment Gateway Integration
As defined by standard industry systems, a payment gateway is a merchant service provided by an e-commerce application service provider that authorizes credit card or direct payments processing for e-commerce, online retailers, or traditional businesses. It is basically a conduit between an E-commerce website and the bank that authorizes a customer's card payment.
The main role of a payment gateway is to authorize transactions between you and your customers. A payment gateway facilitates the transfer of information between a payment portal and the front-end processor, ensuring security and consistency throughout the transaction cycle.
The Gateway Process Flow
- Step 1Customer CheckoutThe customer places an order and enters their payment information. Once this info has been submitted, it is encrypted and then sent.
- Step 2Merchant ProcessorThe encrypted data is first sent to the merchant's processor. The processor is the entity that handles transaction processing.
- Step 3Credit Card AssociationThe processor then routes the transaction data to the credit card association, which processes the request (interchange fees apply).
- Step 4Authorization & ValidationThe card issuer approves or denies the transaction depending on card validity and check of sufficient funds.
- Step 5Authorization ReturnOnce the transaction is authorized, the issuing bank transmits the authorization status back through the network to complete transaction workflows.
Payment Gateway Features
- Securely storing payment information for repeating customers.
- Sensitive payment encryption before transmission to banks.
- Maximum payment options support (Cards, UPI, NetBanking, Wallets).
- Multiple global currency processing capabilities.
- Simple and quick checkout processes to reduce cart drops.
- User-friendly layout and speedy processing.
Why Choose Dotphi?
Fast Service
Prompt gateway onboarding and integration processes to start collecting money quickly.
Dedicated Support Guide
Technical guidance team to help steer verification cycles.
Consultative Suggestions
Expert suggestions regarding fee structure optimization and transaction limits.
Technical Experts
Experienced staff to build secure API callbacks.
Features Overview
Multiple Options
UPI, Cards, Wallets, and NetBanking support.
PCI Compliance
Ensuring all data handling meets global security standards.
Fast Settlement
Integration that helps you get paid quicker.
Start accepting payments.
Connecting your business to the global economy through secure payment portals.
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Frequently Asked Questions
We integrate all leading regional and global payment gateways including Stripe, PayPal, Razorpay, PayU, CCAvenue, Instamojo, Authorize.Net, and Braintree. We recommend the best fit depending on your target customer base and currency requirements.
Yes. All integrations strictly adhere to PCI-DSS (Payment Card Industry Data Security Standard) compliance. We use secure API callbacks, end-to-end tokenization, and enforce SSL/TLS encryption. Sensitive payment details are encrypted before reaching servers to protect them from external threats.
Yes. By integrating gateways like Stripe, PayPal, or international-enabled accounts from Razorpay/PayU, your store can accept payments in over 135+ global currencies. We configure multi-currency settlement and localization options on your checkout page.
The technical integration of the APIs and checkout flow usually takes 1 to 2 business days. However, the onboarding approval and merchant ID setup by the payment gateway providers can take 2 to 5 business days depending on document verification.
Generally, providers require company registration documents (e.g., GST registration, Partnership Deed, or Certificate of Incorporation), business PAN card, promoter PAN/Aadhaar card, active bank account details, and a cancelled check to verify payout details.