AT Integrated Blog

What Is Online Payment And How To Accept Payments Online

6/29/2012 Back

Online payment refers to money that is exchanged electronically. Typically, this involves use of computer networks, the internet and digital stored value systems. When you collect a payment over the internet, you are accepting an online payment. Online payment usually is the transaction that results in transfer of monetary funds from the customer bank or credit card account to your bank account. The online payment can be done from a credit card, checking account or other clearing house like paypal for example.

Merchants accepting online payments need to comply with a list of security requirements. The online payment specific security is designed to decrease the chance of the billing and personal information being stolen. The transfer needs to occur over secure encrypted connection. In the cases of recurring billing where customer data is stored, the merchant needs to enforce a longer list of security features and protocols that are usually referred to as PCI compliance requirements. Recurring billing systems that employ online payment procedures need to be periodically scanned for security vulnerabilities.

To accept an online payment the merchant needs to have access to an Online Payment Gateway. The online payment gateway is a service provider that is integrated with the credit card and transfers the online payment information between the merchant and the payment processor.

The typical online payment process has the following stages:

  1. Customer submits the payment information to the merchant. For example customer completes the payment form on the merchant website and submits the information.
  2. The merchant submits the payment information to the online payment gateway.
  3. The online payment gateway submits the payment to the payment processor.
  4. The payment processor authorizes the payment and responds to the payment gateway
  5. The payment gateway responds back to the merchant
  6. The merchant responds back to the customer showing if the online payment was successful or not and taking the appropriate action.

An e-commerce online payment system facilitates the acceptance of electronic payment for online transactions. Also known as a sample of Electronic Data Interchange (EDI), e-commerce online payment systems have become increasingly popular due to the widespread use of the internet-based shopping and banking.

A payment service provider (PSP) offers merchants online services for accepting electronic online payments by a variety of payment methods including credit card, bank-based payments such as direct debit, bank transfer, and real-time bank transfer based on online banking. Some PSPs provide services to process other   methods   including cash payments, wallets such as PayPal, prepaid cards or vouchers, and even paper or e-check processing.

An Internet Merchant Account (IMA) allows merchants to accept debit/credit card payments directly to their business bank account, online. Due to the stringent criteria required for an Internet Merchant Account (IMA), many smaller businesses opt for a payment processing company instead.

Using a Payment Gateway, provided by a Payment Service Provider (PSP) offers an alternative for businesses whose card-based-turnover is too low or who fail to meet the criteria for an Internet Merchant Account  (IMA).

AT Integrated ecommerce platform includes and automates all technical aspects of accepting online payments. It can accept online payments using a combination of online payment processors at the same time


by: sunil kumar on 12/28/2016 5:07:52 AM

online payment is goods but some case when we are going to pay like online payment Air.BUS,Rail ticketing once payment has deducted from ac but our ticket not confirm and merchant says your deducted amount returned your account, after 3 days to 30 days

by: ROBERT SULLIVAN on 1/2/2017 1:38:23 PM


by: Tsewang nuru on 1/11/2017 1:23:59 PM

Can we pay with our bank card ?

by: Ben on 1/11/2017 2:45:02 PM

Yes you can pay with a bank card. They can be used as credit cards in most cases. Are you asking about recurring payments or a one time payment

by: rahul prajapat on 1/12/2017 11:49:16 PM

very good idea pm

by: Johnbeck on 3/25/2017 2:05:03 PM

I only want the £15 goodybag why am i being charged £30

by: Jacob agogo on 5/29/2017 4:23:39 AM

through the chance of online payment service

by: Oreoluwa on 7/6/2017 12:35:47 AM

If I Pay A Ekedc Bill What Will The Evidence That I Have Paid And How Will Ekedc Know That I Have Paid My Bills

by: Albert Rice on 11/13/2017 9:09:12 AM

I want to pay a bill

by: Khan on 1/25/2018 12:42:35 AM

I have no credt card or bank account how can i pay you.????

by: Khan on 1/25/2018 12:44:39 AM

Can i pay with mobile account.?????

by: Yusuf on 4/5/2018 12:54:21 PM

I need one playmart account

by: Reeza Gasendo on 4/19/2018 9:32:37 AM

I live in Singapore i want to pay my wifi bills in Philippines through online banking. How do i do that?

by: God's power buddy on 7/5/2018 1:10:31 PM

is it possible to receive money from another country into my account through online transfer?

by: baraka saza on 8/9/2018 2:19:14 AM

specific bank accouts which are acceptaple should have a name list so we can recorgnize them easly

by: baraka saza on 8/9/2018 2:20:22 AM

one time payment

by: LUTAYA PHILIP Friday on 8/25/2018 2:56:35 AM

How to get money? Through bank account or mobile phone

by: Mantosh kumar yadav on 8/31/2018 11:51:37 PM

What are the wallet based payment system. How do they differ from other online payments systems.

by: Mariette on 12/2/2018 10:22:11 PM

I have a problem i dont know how to send the otp number for the authorization os payment

by: Neelesh rathod on 3/21/2019 6:21:29 AM

How to go online payment

by: Danny on 4/16/2019 5:34:54 AM

very helpful

by: Gary Kane on 4/18/2019 4:18:27 AM

I received a mail that an online bill payment has been added and i don't understand what that means?

by: Jennifer on 9/2/2019 10:32:17 AM

Great article! When I set up the store, this article helped me determine the choice of payment method

by: Mubashir khan on 10/23/2019 8:20:40 AM

i want to make a online payment methode for website how i can do that and payment done through voucher.

by: Peter on 3/19/2020 1:40:57 AM

How can I sign up And how can get pay

by: Edagardo b ferrer jr on 5/22/2020 9:15:28 AM

None any credit card. . Remetance only

by: bipla gharami on 1/9/2021 5:22:18 AM

1999 deducted my ac

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