O F A PAY M E N T G AT E WAY I S T O VA L I D AT E Y O U R C U S T O M E R ’ S C R E D I T C A R D D E TA I L S S E C U R E LY, M A K E S U R E T H E F U N D S A R E AVA I L A B L E F O R T H E PAY M E N T A N D G E T Y O U PA I D . W H AT I S A PAY M E N T G AT E WAY ? A PAY M E N T G AT E WAY I S T H E S E R V I C E T H AT A U T H O R I Z E S C R E D I T C A R D PAY M E N T S F O R O N L I N E A N D O F F L I N E B U S I N E S S E S .
U I VA L E N T O F A P H Y S I C A L P O I N T O F S A L E T E R M I N A L I N A S H O P O R R E S TA U R A N T. • I T L E T S Y O U R C U S T O M E R S U B M I T T H E I R C R E D I T C A R D D E TA I L S A N D T H E N S E C U R E LY PA S S E S T H I S S E N S I T I V E F I N A N C I A L I N F O R M AT I O N F R O M T H E C U S T O M E R T O T H E M E R C H A N T A N D T H E N B E T W E E N T H E M E R C H A N T A N D T H E B A N K . • T H E PAY M E N T G AT E WAY T H E N T E L L S Y O U W H E T H E R T H E C H A R G E H A S B E E N A P P R O V E D B Y T H E C A R D H O L D E R ’ S B A N K A N D S U B M I T S Y O U R C H A R G E S F O R S E T T L E M E N T. • S E T T L E M E N T I S W H E R E T H E PAY M E N T A M O U N T I S D E D U C T E D F R O M Y O U R C U S T O M E R ’ S D E B I T C A R D A C C O U N T A N D D E P O S I T E D I N T O Y O U R M E R C H A N T A C C O U N T.
S O N L I N E Y O U N E E D B O T H A PAY M E N T G AT E WAY A N D A M E R C H A N T A C C O U N T. A M E R C H A N T A C C O U N T I S W H E R E F U N D S A R E H E L D B E F O R E B E I N G D E P O S I T E D I N T O Y O U R B A N K A C C O U N T. T H E R O L E O F T H E PAY M E N T G AT E WAY I S S I M P LY T O D E C L I N E O R A P P R O V E A T R A N S A C T I O N . W H AT I S A M E R C H A N T A C C O U N T ?
then enters their credit card details onto payment page. This information is then directed to your payment gateway. 2.Authentication: Payment gateway then takes this information, and sending it via a shielded link to your bank account. 3.Authorization: At this point you will know that the sale has been approved and you can deliver the ordered products or services. 4.Settlement: The transaction data is verified by your bank and the money from the sale is deposited into your account. H O W D O E S A PAY M E N T G AT E WAY W O R K ?
R O P E R T I E S F O R U S E W I T H T H E I N L I N E M E T H O D A R E : data-PBFPubKey - (Required) Public key of the merchant data-txref - (Required) (Unique) Reference data-amount - (Required) Amount to charge data-currency - (Optional, defaults to NGN) Currency to charge the card in data-country - (Optional, defaults to NG) data-customer_email - (Required if customer_phone is not passed) Email of the customer data-customer_firstname - (Required if customer_email is not passed) Phone number of the customer data-customer_lastname -(Optional) Full name of the customer data-pay_button_text - (Optional) Text to be displayed on the pay button data-custom_title - (Optional) Text to be displayed as the title of the payment modal data-custom_description - (Optional) Text to be displayed as a short modal description data-redirect_url - (Optional) URL to redirect to when transaction is completed data-custom_logo - (Optional) Link to the Logo image data-meta-[custom_param] - (Optional) Any other custom data you wish to pass (Without the square braces)