Integrating a VISA Payment Gateway into Your Website

Most websites today, and especially online stores, have an online payment gateway, so customers can pay quickly and easily. One of the most popular payment methods is the Visa card. It works both in Vietnam and abroad, so customers can buy from your website wherever they are. Integrating Visa payments into your website helps your business reach a wider market and grow. In this article, MONA Media walks you through integrating online payments into a website, step by step.

Overview of online payment gateways for websites

Before getting into how to integrate Visa payments, you need to understand what an online payment gateway is and what it does for you. With that foundation, you can judge the integration options properly and choose the right one.

What is an online payment gateway on a website?

Put simply, it is a feature that lets users pay instantly on the website. You see it most often on online stores and e-commerce sites.

Users can choose from many non-cash payment methods, such as bank cards, Visa cards and e-wallets, linked to their bank and accepted by the website.

How an online payment gateway works

Here is how online payment works, in simple terms:

• First, payment methods are built into the website during development. The business provides the bank account, Visa account or e-wallet needed and links it to a bank or an intermediary (popular ones include Paypal and Payoo).
• When customers reach the last step of checkout, they enter their account number and confirmation password in the gateway, then choose the bank or payment method they want.
• Finally, the system confirms and connects with the customer's bank, intermediary or e-wallet to transfer the money into the business's account.

The process is quick and convenient for both sides, and protecting customers' account information remains the top priority.

What to check before integrating Visa payments into a website

Visa payment integration usually covers several card types, such as: domestic cards, international cards, Mastercard… Users can also pay through Internet Banking with some banks.

To integrate a payment gateway that works well, keep these factors in mind:

• The first is compatibility between technology platforms. The shopping cart technology and the payment transaction technology must be compatible with each other. This keeps the transaction process from being interrupted.
• Next is ensuring security and transparency. Customers' account information must stay secure, and the gateway must make sure transactions are free of fraud. Choose a reputable gateway with a transparent process, to protect both your customers and your business.
• Service fees are another thing to watch. Using an online payment gateway means paying service fees to the intermediary, so compare options and choose one with fees that are fair for both the business and customers.

How to integrate Visa payments into a website

There are several ways to add Visa payments to a website. One of the most common is Paypal, an e-wallet widely used as a payment intermediary. Because Paypal supports many payment methods and card types, it is very widely used.

Through the Paypal intermediary

Other intermediaries charge the seller service fees, which can be a drawback. Integrating Paypal into your website avoids this cost.

With Paypal on your website, users only need a Paypal account to pay. Paypal is also highly secure, which is why it is so widely used, and it handles international transactions too. There is no monthly fee, and Paypal accepts Visa cards, payment cards and debit cards, among others.

Plugins for setting up Paypal payments with Visa

As mentioned above, Paypal accepts many card types and payment methods, which is why it is so widely used. To set it up, websites usually use a plugin, as long as the site is built on WordPress. There are two plugins businesses can use: WP Easy Paypal Payment Accept and Woocommerce Vietnam Currency.

First, the WP Easy Paypal Payment Accept plugin. You install and active plugin this plugin as usual. Then add your Paypal account to the plugin. Next, set up the code for your checkout page, so that after a customer picks a product and proceeds to pay, the next window lets them confirm the order, the price and their Paypal code. This step is fairly technical and requires some coding knowledge.

The second plugin was made by a Vietnamese developer, so it is built for Vietnamese online stores. With Woocommerce Vietnam Currency installed, prices convert between USD and VND automatically, so customers can pay with Paypal in VND. Visa, Mastercard and other cards paid through Paypal are still accepted.

Using 2Checkout to pay directly with Visa

Similar to the plugins above, 2Checkout is available in 196 countries around the world. 2Checkout accepts both domestic and international cards, and customers can pay with Visa or Mastercard through its gateway. It has no monthly fee, although it does charge some service fees, which are reasonable for most sellers.

To use this plugin, create a 2Checkout account and link your bank account to it. When a customer pays, the money goes into 2Checkout. To transfer it to your bank account, go to Settings once 2Checkout is connected to your website.

Overall, it is an easy-to-use, widely used payment gateway with strong security, trusted by many people around the world, so businesses don't need to worry about its transparency.

Website design with Visa payments built in

Most of the methods above require you to set things up yourself and need some IT knowledge. Today, though, you can get a Visa payment gateway built in through professional website design. If you build your website through a service, you can ask the provider to integrate this feature, which saves you a lot of manual work. Building it in from the start is also easier than adding it later, once the website is finished.

At MONA Media, we offer all-inclusive website design packages built around each client's needs, including integrating online payment gateways into the website.

When we take on a project, the MONA team studies the client's operations and proposes the most suitable solution, including how the online payment gateway should be integrated, so that it works best for the client's business.

The over 10 years experience and the successful delivery of more than 8,968 website design and development projects for 12,000 clients across many industries, MONA can build you an SEO-ready website that fits your business's specific needs. Please CONTACT US with MONA via Hotline 1900 636 648 for detailed advice on getting the right website, fast.

That covers how to integrate Visa payments into a website. Adding this payment method gives your website more room to grow revenue and makes paying easier for customers. We hope this guide from MONA makes integrating online payments simpler for you. Good luck!