Payment Gateway Solutions

Overview

We provide the payment gateway integration services. We are not payment gateway provider.

When a customer places an order through a payment gateway–enabled website, the transaction is securely processed in multiple steps. The customer submits the order by entering card details on the website or through an automated service. The data is encrypted using SSL and sent securely to the merchant or directly to the payment gateway, reducing PCI DSS compliance requirements. The merchant then forwards the encrypted transaction details to the payment gateway, which converts the data into a bank-readable format and sends it to the payment processor of the acquiring bank for authorization.

The payment processor sends the transaction to the card network (such as Visa, MasterCard, or American Express). For American Express or Discover cards, the network also acts as the issuing bank and directly approves or declines the transaction. For Visa or MasterCard, the network routes the request to the customer’s issuing bank. The issuing bank checks available credit or funds and returns an approval or decline with a response code explaining the result. If approved, the bank places a temporary hold on the amount, reducing the available balance. The processor then sends this response to the payment gateway, which forwards it to the website and notifies both the merchant and customer. This authorization process usually takes 2–3 seconds.

Key Benefits

At the end of the day, the merchant submits all approved transactions as a batch to the acquiring bank for settlement through the payment processor, which clears the earlier authorization. The acquiring bank then requests settlement from the card issuer, who transfers the funds (usually the next day). The acquiring bank deposits the approved amount into the merchant’s account on the same day or the following day. Overall, the process from authorization to settlement and funding typically takes about three days. Many payment gateways also offer real-time fraud detection and tax calculation tools, using methods like geolocation checks, velocity analysis, address verification, blacklist screening, and identity validation to reduce fraudulent transactions.

Packages starts from INR 20,000 On Wards

Transforming Ideas into Clear Strategic Roadmaps

Requirement Analysis & Planning

We understand your business model, payment needs, and compliance requirements to plan the right payment flow.

Secure Gateway Selection

We help you choose a reliable and secure payment gateway that fits your region, budget, and transaction volume.

Integration & Testing

We integrate the gateway with your website or app and perform thorough testing to ensure smooth and secure transactions.

Launch, Monitoring & Optimization

We go live with continuous monitoring, performance optimization, and support to ensure stable and scalable payments.

Other Services

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FAQ'S

Everything You Need to Know Before Working with Techwin

Which payment gateways do you integrate?

We integrate popular gateways like Razorpay, PayU, Stripe, PayPal, and other region-specific providers.

Is the payment gateway integration secure?

Yes, we follow industry security standards like SSL encryption and PCI-DSS compliance.

How long does payment gateway integration take?

Most integrations are completed within 2–5 working days, depending on requirements.

Can you integrate multiple payment methods?

Yes, we can enable cards, UPI, net banking, wallets, and international payments.

Do you offer support after integration?

Yes, we provide post-launch support, monitoring, and optimization services.