Terminology To begin with, let's deal with perhaps incomprehensible words that you should know when you are going to connect a payment gateway. Acquiring is a service that allows you to accept payment for goods and services from bank cards using payment terminals. Internet acquiring - the same, but through payment gateways on the Internet (websites, social networks, instant messengers). Unlike the not entirely legal “transfer me to a card” scheme, which is often used by very small entrepreneurs, here everything is done in the open.
Acquiring bank - a bank that implements and B2C Email List operates a payment gateway. It is not always obvious if the gateway is provided by a third party. Issuing bank - the bank that issued the customer's card. Merchant - a store that has access to the payment gateway and its admin panel. For a bank, this is the account of a specific trade and service company. How does a payment gateway work? From the user's point of view, it's simple. I collected a basket, clicked "buy", went to the site, entered the card details and CVC and clicked the "pay" button.
For a bank, the chain is a little longer - after “paying”, the bank makes a request to the payment system (now in the Russian Federation - to the national NSPK), this payment system makes a request to the issuing bank, which reports whether the user can pay and conducts a normal transaction. Then the response goes to the payment system, then to the payment gateway, and from there the store page receives the response. How to start connecting a payment gateway? To begin with, it is worth studying what Internet acquiring services generally exist, their conditions and methods of connection.