A payment gateway, also sometimes called a “payment processor” is a critical part of your Adobe Commerce website. In simple terms, this is the “middle-man” between your eCommerce store and your customers.
When your customers make a purchase on your website, their information is sent to the payment gateway. Then, your payment gateway handles the process of checking the funds, approving the purchase, charging the customer, and sending the money to you.
Payment gateways serve a number of important functions. The most important thing is that they ensure customer data – such as credit card information – is never stored directly on your Adobe Commerce website.
But not all payment gateways are the same. While they largely offer the same basic functionality, their pricing, integrations, and specific features can differ quite a bit.
Wondering which Adobe Commerce payment gateway you should be using for your store? Let’s take a look at a few of the things you should keep in mind when choosing an Adobe Commerce payment gateway.
1. Default Adobe Commerce Integration
Out-of-the-box, Adobe Commerce allows for integration with PayPal, Braintree, and Authorize.net. This means that these payment gateways can be used without having to alter any code or make any significant changes, simplifying the setup process.
While it’s not exceptionally difficult to integrate other payment gateways into Adobe Commerce, doing so will take more time than just using one of its default integrations.
For this reason, we usually recommend that Adobe Commerce store owners use one of these three payment gateways unless they have a specific reason not to – for example, if none of these services support payments from a particular country where you need to sell your products.
2. Fees & Overall Usage Cost
Each payment gateway has different costs. Usually, this consists of a certain fee for each transaction. Authorize.net, Braintree, and PayPal, for example, all charge 2.9% plus 30 cents for each purchase.
However, this does not necessarily mean that every payment gateway costs the same amount to use. Other fees and add-ons can push up the price quite a bit. Braintree, for example, charges $15 for each individual chargeback.
So before committing to a certain payment gateway, make sure you do your research, and understand all of the costs, fees, and monthly charges you may incur once you begin using it. This ensures you make the right choice.
3. Fraud Protection
Every payment gateway uses its own proprietary fraud detection system. Typically, these systems check billing addresses, shopping behavior, and a lot of other metrics in order to automatically detect and flag fraud.
Fraud protection is an essential part of the services offered by any payment gateway. Make sure to choose a provider that implements fraud protection such as AVS (Address Verification Service), CVV (Card Verification Value) filters, and can be set to limit and flag large transactions.
This helps reduce chargebacks and fraud, which may save you quite a bit of time and money, particularly if your payment gateway charges fees for processing chargebacks.
4. Brick-And-Mortar Integration
If you exclusively run an online business, this is not important because you don’t have to worry about physical store sales.
But if you run an eCommerce store on Adobe Commerce as well as a brick-and-mortar store, it’s a good idea to select a payment gateway that will support both your physical store and your Adobe Commerce website.
Two of the market leaders in this space include Square and Stripe. While not supported by default by Adobe Commerce, it’s easy enough to integrate these payment gateways into your website and into your physical POS (Point of Sale) systems.
5. International Payment Support
This may be more important for some merchants than others. For example, if you only plan on selling products to customers in the US and Canada, you can use pretty much any payment gateway.
But if you want the widest possible worldwide reach, you’ll have to be a little more careful about which payment gateway you choose. 2Checkout, for example, supports payments from over 200 countries, so this may be a good choice for eCommerce store owners who expect to do a lot of international business.
6. Support For Recurring Payments
Whether you’re selling digital goods, subscription boxes, or online services, you may find that you need an Adobe Commerce payment gateway that supports recurring payments.
Most payment gateways support this, but you may want to double-check to make sure you’ll be able to easily set up recurring billing and subscription payments.
7. Supported Payment Methods
Pretty much every payment gateway supports card-based transactions with credit cards and debit cards, so that’s par for the course – and most eCommerce customers prefer to pay with a credit or debit card.
However, there are those who may wish to pay with a different payment method, such as PayPal, Apple Pay or Google Pay. B2B (Business to Business) customers may also want to pay with a Purchase Order (PO), bank transfers, checks, or company credit. Keep this in mind when choosing an Adobe Commerce payment gateway.
8. PCI Compliance
All major payment gateways are PCI compliant, but it’s still important to note how important this is. Payment Card Industry (PCI) standards are critical in eCommerce.
While they are not legally binding, they are used by almost all major credit card companies and banks – and failing to abide by them may cause your store to be blacklisted by companies like VISA and MasterCard.
One of the most important aspects of a payment gateway is that it enables PCI compliance. For your Adobe Commerce store to be PCI-compliant, it must not store customer credit card information on its servers.
Using a third-party payment gateway allows you to use their PCI-compliant payment architecture, which streamlines the process of PCI compliance and ensures you do not violate these important standards.
Choose Your Adobe Commerce Payment Gateway Carefully Before Implementation
Though switching to a new payment gateway is not that complicated, it can involve a lot of paperwork as you switch to a new provider – and technical integrations into your eCommerce store could always go wrong.
So we recommend carefully considering your options before you settle on an Adobe Commerce payment gateway. If you need more information as you begin planning the launch of your store, 121eCommerce is here to help.
As Adobe Commerce experts, we can assist with any project related to your store. Whether you’re just switching payment gateways or you’re interested in launching an entirely new Adobe Commerce implementation, we’re here to help you get the job done right.
So don’t wait. Contact us online to discuss your project in more detail. Our team of certified Adobe Commerce experts is always standing by to provide you with the guidance you need.