How To Create A Website With An Online Payment System?

Wanting to make an online purchase, making a deposit, or applying for a home loan online are all made possible by one factor: the digital payment system.

When beginning any company (such as fintech, e-commerce, or even a psychiatric app), chances are you’ll need to incorporate a payment platform for your website. If you refuse, you will most likely lose a lot of clients to competing companies, and Google will stop showing your ads in search results.

But what should be done? Is it necessary for me to charge for the payments system? What if I want to combine several payment systems? These are all just a few of the queries that startup cofounders have when it comes to software growth.

In the this editorial, I will explain what is an online transaction is, how to select the best payment platform for your website, and how to create an online payment app.

What Is A Payment System?

A billing system is a collection of software and telecommunications technologies used to process cashless payments. The billing platform’s architecture consists of the following components:

  • Payment providers;
  • Banks;
  • Central regulating institution;
  • Processing centers and tech infrastructure providers.

Each of these components interact with one another through procedures, contracts, and legal regulations.

Mastercard, Visa, American Express, Diners Club International (US), UnionPay (China), and JCB have the most extensive international payment systems (Japan). Each of these payment services began in their respective countries but now operate on a global scale. These are first new gen payment systems.

Non-banking payment systems such as PayPal are part of the second creation of payment services. These services are delivered over the internet and use electronic money, also known as digital currencies.

Digital Payment Trends And Statistics In 2022


Over time, the value of the online payment domain has increased. Here are some statistics to back up this claim.

This same transaction value value has been expected to reach $10,715,390 million by 2025. With such compelling data, large corporations have really no option but to adapt. 38% of ecommerce noted broadening their digital financing options as of 2021. By 2022, this figure will have risen to 53%.

Where do these figures come from? Here are some of the trends that are driving up the statistics.

Customers want more authority over their expenses. The global economic crisis and pandemic force users to migrate to digital savings management.

Cash is becoming obsolete. Consumers today require immediate access to their cash reserves at all times. 47% of users already pay for internet purchases using a digital payment method. Those who rely on cash the most are expected to swap to electronic in about two years.

The most concerning issue for online payment users is safety. As a result, 70% of users prefer not to share personal financial information online, and 62% are concerned whenever the scheme does not ask any intelligence information prior to confirming payment. When designing a website with an electronic payment system, keep this in mind.

Traditional banks, on the other hand, are still preferred for personal stance and service by 57% of users. As a consequence, the most significant benefit which ones online payment webpage can offer to a user is customer service.

4 Types Of Payment Systems

As a company owner, you have a variety of payment platform formats to choose from. Payments on your website, for example, can be processed using:

  • Internet acquiring;
  • Payment gateways;
  • Operators of e-payments;
  • Aggregators.

The payment system you select will be determined by the needs of ones company and ones intended audience.

Internet Acquiring

Web obtaining is a traditional payment method that involves transferring funds between the sellers and buyers via a secure processing centre. The main advantage of this technique is that payment has been made with a plastic card rather than cash. This technique is used by both conventional banks and financial firms.

  • Pros: this is the safest method of payment transfers, using 3D-Secure and data encryption;
  • Cons: agreeing with an internet-acquiring service is only available for legal entities.

Payment Gateways

Online payments act as intermediaries, redirecting transactions to banks for processing.

  • Pros: gateways are not linked to banks or wallets. They can be used not only on websites but also on mobile. Strong data encryption.
  • Cons: making a contract and agreeing on all the terms takes much more work than with other services.

Example: Opayo is a famous form of payment in the UK and Ireland, as well as the European Union. To ensure optimal data protection, the service employs Regulatory Technical Standards (RTS).

Payment Aggregators

Payment sites are middleman services that, unlike gateways, receive the money from the customer and afterwards transmit it to the destination point.

  • Pros: easy to integrate;
  • Cons: you can pay double fee (to the bank and the aggregator), and the data protection can be weak.

Example: Square, Stripe.

Operators Of Digital Money Transfers

A wallet is a banking account substitute. Nonetheless, the operation concept is very similar. You must enter into an agreement with the controller and incorporate the payment platform into your webpage.

  • Pros: the easiest method for customers, independent of the geographical location;
  • Cons: you can only transfer a fixed amount of money for a certain period.

Example: Smart is the most widely used payment system focused on e technology. Wise integration is so much simpler and includes the majority of CMS features.


4 Cases When You Should Consider Building Custom Real Estate CRM

Before diving into how to create an online payment system, you should first decide which one to use. So, here are four things to consider when choosing a payment system for your website:

Check Your Target Audience

The primary goal of payment systems is to make the payment process easier for customers. So, in order to provide value to users, you must consider two factors:

  • The geographical location of your target audience;
  • Needs of your target audience.

You must conduct marketing research in order to provide value to your users. Which payment solution is well-known in your area and is supported by banks in the country in question? For instance, the Amazon Bill payment service is currently gaining traction in the U.s.

Even your aim viewer’s style of living can be a deciding factor in selecting a payment system. Regardless of region, your customers may feel more at ease using quintessential PayPal or Masterpass – the ideal option if your customers must manage multiple cards at the same time.

To better understand your users’ needs, the Discovery Stage should undoubtedly become a key component of the website development process. Typically, the Discovery team will:

  • Explores the market;
  • Learns the users’ habits, desires and problems;
  • Comes with a solution and tests it with potential users.

Count Potential Expenses

This factor is most likely more visible. Before implementing a payment system, you must first evaluate all potential costs. In this regard, different platforms provide different formats: some payment systems take a fixed percentage of the payment, whereas others may be free under certain conditions.

Furthermore, the payment policies of all services change quite frequently, so before selecting one, check the details on the official website.

Asses The Complexity Of Payment Systems Integration

Almost all payment services include modules for connecting to well-known CMS or APIs. Many payment providers, particularly large ones, even provide their professionals with the advantages of integrating online payment systems.

Your provider, on the other hand, will provide you with continuous technical support. When continuing to work with smaller businesses, you may be disappointed. The fewer sales a supplier has, the more likely the integration process will be difficult.


Think Of The Speed Of Payments

It’s very convenient for customers to pay for their orders with a single click. It’s even better if you can withdraw the funds. For instance, it may be simple to withdraw cash from municipal payment processors, but it could be more difficult to do so when working with world system. As a result, this research is critical.

However, when your company begins to grow, this is when problems can arise. My advice is to use a solitary payment platform that is convenient for your clients and supplement the webpage features with a handful of online payment system.

How To Create A Website With Online Payment In 4 Steps

Now that we understand what a payments system is and how it works, let’s look at how to build a website that accepts electronic purchases. When incorporating a payment platform into your website, follow these four stages:

Step 1. Clarify Your Requirements

Before integrating the payment system, make a list of the what you anticipate from it. These could be, for example, the following points:

  • The company should provide options of easy and comfortable integration (maybe low-code ones), for example, the “pay” button, invoicing, APIs, and plugins for CMS websites. So if the size and specifics of your business require an individual approach – consider it;
  • The payment service should collaborate with the cards of the most popular systems, like Mastercard and Visa, but also Apple Pay, and Google Pay;
  • Clear and transparent payment policy: make sure there are no additional, hidden, or unexpected fees;
  • The service provides strong tech support, like a personalized manager, helping the integration process.

Step 2. Explore Legal Regulations

Prepare your website for the assimilation of the payment service. Make certain that your website complies with international payment system and trade standards. This is critical before collaborating with a payment service.

For example, there can be requirements like:

  • The website works well. All of its pages appear right and adequately;
  • There is a list of goods and services that your business provides with all the details and characteristics;
  • All the certifications and licenses are on the website.
  • The website gives access to such information as confidentiality policy, data protection policy, delivery terms and conditions, and money return policy.

Step 3. Register On The Payment Platform’s Website

The next step is to set up on the billing platform’s website and submit an application for integration. At this point, you may be prepared to do all of ones firm’s basic information:

  • Country of registration;
  • Personal Entity/Legal Entity;
  • Individual Contractor;
  • IBAN;
  • Website and contacts);
  • Any accompanying documents.

Step 4. Choose The Method Of Integration

The payment platform you are about to use provides a list of such methods. For example, these could be:

  • Online invoicing (suits for businesses in social media);
  • Payment button (for simple websites);
  • Specific payment module for a (CMS-based website);
  • API Integration (for complex websites).

Providing Security In Online Payments

As previously stated, security is the primary concern of users of payment service methods. As a result, when we design a webpage with financing options, we make certain that user information is strong as well as secure. So, before incorporating a payment platform into your website, ensure that the payment service complies with data protection regulations. As an instance:

PCI Standards

PCI standards are Payment Card Industry Security Standards Council (PCI SSC) suggestions that what a payment system should follow. Among these norms are the prerequisites to:

  • Transmit and use the sensitive card information securely;
  • Use the instruments for higher data security: encryption, monitoring, and testing;
  • Ensure annual check-ups of the data security system.


Tokenization is a famous method of protecting data. It works as follows: once the user enters some card information into the iphone, it is instantly decoded into icons and codes that have no meaning to a third party. This string of characters is known as a symbol, and it is intended to keep the user’s information hidden from merchants.

SSL Protocol

SSL protocol is one more instrument designed to keep user data from fraud.

SSL Protocol is an internet protocol that secures all the operations on the website, including those that process payment information.


Whether you’re creating an e-commerce, fintech, or healthcare app, chances are you’ll have to deal with incorporating an online payment method. It is not difficult, but it does necessitate precision as well as cooperation with a skilful developer team.

ecodesoft is here to assist you in creating a website with an incorporated payment system. We understand how to set up an online payments system and have extensive experience integrating payment gateways into products. In cases such as Sprent and Rivaltz, for example, we chose the appropriate payment platform and provided the user as many financing options as necessary.