Hi everyone!
With rapid digitalisation booming every second in our lives, we all encounter “payment gateway” more often.
So the question is, do you really know what a payment gateway is? And how does it actually work?
So let’s begin from the beginning…
What is a payment gateway?
A payment gateway is a service (from a merchant’s end) that processes a customer’s debot cards or credit cards or even direct payments at online and offline stores.
It transfers the key information between websites/mobile devices and payment processors/banks, and vice versa.
When you decide to integrate payment into a website and make user experience smoother, think of the gateway as a tool to deal with all the financial transactions online.
How Does A Payment Gateway Work?
A Payment Gateway is an eCommerce application service provider service that apart from authorizing payments also facilitates the transfer of information between a payment portal (any e- commerce website or a mobile phone) and the Front End Processor or acquiring bank.
The Payment Gateway service kick starts the payment transaction between the two parties i.e the seller and the buyer.
It itself acts as a third-party service provider that process, verifies and accepts or declines a card’s transactions on behalf of the merchant using secured internet connections.
The payment gateway infrastructure is an extensive and friendly source of payment as it allows a seller and a buyer to use and accept credit, debit card and others forms of electronic payments.
Is my online payment transaction secure enough?
The Payment gateway has tried its best in ensuring maximum safety and protection of user’s credentials against any fraud.
To assure a transaction’s safety and protection of your website from any fraudulent activity, a payment gateway encrypts all sensitive information: credit card number, expiration date, and CVV code.
PayKun Payment Gateway Integration in PHP:
Server Integration for PHP
Integrate the PayKun Payment Gateway in PHP and collect online payments. You can provide multiple payment options to your customers and the great checkout experience that will make them pay on the spot, saving the dropouts.
Access free PHP PayKun plugin and free integration services now!
Requirements for PHP Checkout
- Merchant ID
- Access Token Key
- API Secret Key
- PHP v5.3 or higher
Installation
Installation can be done using the following composer code or the required zip file. After that include **Payment.php** in your application and you can use the API as usual.
Composer
If your project uses composer, run the below command
composer requires paykun/checkout
ZIP File download
- You can download the zip file from below given link, if you are not using the composer code PayKun_PHP_zip file
- Unzip the given file
- Include Payment.php, Validator.php & Crypto.php in your project.
[ Note: If you are using any framework or you have autoloaded set up in your project then you don’t have to include these files manually]
API Encryption Key Guide:
In order to activate the test Mode, first, follow the below-given steps for generating test mode credentials.
- Click on your profile picture then after select test mode.
- And click on your active sandbox account.
- Copy your password.
- Click on the sandbox login.
- And then you will be redirected to the Sandbox Mode, then after you may generate your credentials as it is in live mode.
- Copy your Merchant ID which you will get by clicking on your profile picture
- Then go to the Settings Tab.
- Go to the Security Option.
- Click on Generate API Key and download your Access Token and Encryption Key (API Secret Key).
If you have generated API key earlier as well, then you will see the date of the API key generation.
Although, you will not be able to retrieve the old API key (For security reasons) we have provided the re-generate option, so you can re-generate API key in case you have lost the old one.
Note: Once you re-generate the API key your old API key will stop working immediately.
So be cautious while using this option.
License: The PayKun PHP SDK is released under the MIT License.
Hence, I would like to conclude that payment gateway is a brilliant user online payment mode adopted by several e-commerce giants today along with ensuring user’s safety. However, I recommend you to do online transaction without saving your card’s details on that website to save you against any fraudulent activity.
