Are you selling products or services online and wondering how to safely accept payments from your customers? This is where a payment gateway comes in. A payment gateway is like a bridge between your website and the bank that handles your customer’s payment. It makes sure that the transaction is secure and smooth.
However, setting up a payment gateway can seem confusing and scary, you might be wondering, “How do I start?” or “What if I make a mistake?”, especially if you’re new to it. So, In this guide we’ll walk you through the process step-by-step, using simple language and easy-to-follow instructions.
By the end of this guide, you’ll learn the steps to integrate it into your website, best practices to follow, and how to tackle common challenges.
A payment gateway is a special service that helps process online payments for your business. Think of it as a secure tunnel that takes your customer’s payment information and sends it to the bank for approval. Once the bank approves, the payment gateway sends the confirmation back to your website, completing the transaction.
Suggested: Read out comprehensive guide on What is Payment Gateway and How Does it Work?
Here’s a general guide to help you through the process:
For a better understanding of how to set up a payment gateway, let’s use Razorpay as an example. Most payment gateways follow a similar process, so this will give you a good idea of what to expect.
Though we have used Razorpay, the first step is to find the best payment gateway provider. You need to research and select a payment gateway provider that suits your business needs.
Suggested Read: Buyer’s Guide on how to choose the best Payment Gateway Software for your requirements.
Sign up for an account with your chosen payment gateway provider. Click on the Sign Up link, provide necessary business details and complete the registration process.
Provide all the necessary KYC details like Contact details, Business details and Address details.
Now that you have updated the details for your KYC, it’s time to verify them. KYC verification is important in any payment gateway because it helps businesses to activate their account and get rid of any limitations the account might have. Submit the documents for the details you have provided such as ID proof, Address proof, Bank proof etc. Once submitted, your account will be activated within the given time.
The last step on setting up your payment gateway is to integrate the gateway to your online website so that you can start accepting payments from the customers. This process involves a couple of steps. Let’s understand how you can integrate a payment gateway to your website:
There are multiple ways to integrate a payment gateway to your online store. Let’s take a look:
One of the easiest and most straightforward ways to integrate a payment gateway into your online store is through a plugin or app. This method allows you to directly install a payment gateway provider’s app on your website. For example, if you are using WordPress for your online store, follow these steps below:
Login to your WordPress dashboard and click on the “Plugin” option on the bottom left corner, then click on the “Add New” button.
On the top right corner, search for Razorpay (or the payment gateway platform you chose) and enter. You can see the Razorpay application on the screen. Click on the “Install Now” option to install it. Once it’s done, hit the “Activate” button.
Once activated, go back and click on the Woocommerce option on your dashboard, visit the Payments section, Enable Razorpay as a payment method and click on Set Up your payment gateway.
Now, to connect your Razorpay account to your website, you need the Key ID and Key Secret.
To get the Key ID and Secret Key, go to your Razorpay dashboard > Settings, then click on API Keys, and then hit the Generate Live Key button. Once clicked, you will receive your unique Key ID and Secret Key. Copy those credentials and paste those details (as shown in the 4th Step) and save the changes. Your Razorpay payment gateway has been successfully integrated to your website.
Self-hosted gateways allow you to handle transactions directly on your website using APIs provided by the payment gateway. To integrate Razorpay (or your favourite Payment Gateway) in a self–hosted environment. Here are the steps to integrate Razorpay into your React app:
```javascript
const express = require("express");
const app = express();
const port = process.env.PORT || 5000;
app.use(express.json({ extended: false }));
app.listen(port, () => console.log(`Server started on port ${port}`));
``````plaintext
RAZORPAY_SECRET=<your razorpay secret>
RAZORPAY_KEY_ID=<your razorpay key id>
``````javascript
require("dotenv").config();
const express = require("express");
const Razorpay = require("razorpay");
const router = express.Router();
router.post("/orders", async (req, res) => {
try {
const instance = new Razorpay({
key_id: process.env.RAZORPAY_KEY_ID,
key_secret: process.env.RAZORPAY_SECRET,
});
const options = {
amount: 50000, // amount in smallest currency unit
currency: "INR",
receipt: "receipt_order_74394",
};
const order = await instance.orders.create(options);
if (!order) return res.status(500).send("Some error occurred");
res.json(order);
} catch (error) {
res.status(500).send(error);
}
});
module.exports = router;
```Update your `server.js` file to include the new route:
```javascript
const express = require("express");
const app = express();
const port = process.env.PORT || 5000;
app.use(express.json({ extended: false }));
app.use("/payment", require("./routes/payment"));
app.listen(port, () => console.log(`Server started on port ${port}`));
```In your React app, open the `src/App.js` file and replace the code with:
```javascript
import React from "react";
import logo from "./logo.svg";
import "./App.css";
import axios from "axios";
function App() {
function loadScript(src) {
return new Promise((resolve) => {
const script = document.createElement("script");
script.src = src;
script.onload = () => {
resolve(true);
};
script.onerror = () => {
resolve(false);
};
document.body.appendChild(script);
});
}
async function displayRazorpay() {
const res = await loadScript("https://checkout.razorpay.com/v1/checkout.js");
if (!res) {
alert("Razorpay SDK failed to load. Are you online?");
return;
}
const result = await axios.post("http://localhost:5000/payment/orders");
if (!result) {
alert("Server error. Are you online?");
return;
}
const { amount, id: order_id, currency } = result.data;
const options = {
key: "rzp_test_r6FiJfddJh76SI", // Enter the Key ID generated from the Dashboard
amount: amount.toString(),
currency: currency,
name: "Your Company Name",
description: "Test Transaction",
image: { logo },
order_id: order_id,
handler: async function (response) {
const data = {
orderCreationId: order_id,
razorpayPaymentId: response.razorpay_payment_id,
razorpayOrderId: response.razorpay_order_id,
razorpaySignature: response.razorpay_signature,
};
const result = await axios.post("http://localhost:5000/payment/success", data);
alert(result.data.msg);
},
prefill: {
name: "Your Name",
email: "YourEmail@example.com",
contact: "9999999999",
},
notes: {
address: "Your Address",
},
theme: {
color: "#61dafb",
},
};
const paymentObject = new window.Razorpay(options);
paymentObject.open();
}
return (
<div className="App">
<header className="App-header">
<img src={logo} className="App-logo" alt="logo" />
<p>Buy React now!</p>
<button className="App-link" onClick={displayRazorpay}>
Pay ₹500
</button>
</header>
</div>
);
}
export default App;
```In your `routes/payment.js` file, add the following code to verify the payment:
```javascript
router.post("/success", async (req, res) => {
try {
const { orderCreationId, razorpayPaymentId, razorpayOrderId, razorpaySignature } = req.body;
const shasum = crypto.createHmac("sha256", process.env.RAZORPAY_SECRET);
shasum.update(`${orderCreationId}|${razorpayPaymentId}`);
const digest = shasum.digest("hex");
if (digest !== razorpaySignature) return res.status(400).json({ msg: "Transaction not legit!" });
res.json({ msg: "success", orderId: razorpayOrderId, paymentId: razorpayPaymentId });
} catch (error) {
res.status(500).send(error);
}
});
```That’s it! You have now integrated Razorpay into your React app.
Integrating a payment gateway like Razorpay can be tricky. Here are some common problems you might face and how to solve them:
Problem: Keeping your API keys safe.
Solution:
Problem: Handling different ways people pay (cards, net banking, wallets, etc.).
Solution:
Problem: Handling situations where payments don’t go through.
Solution:
Problem: Making sure payments are real and not fake.
Solution:
Problem: Ensuring everything works correctly before going live.
Solution:
Problem: Supporting multiple currencies and localizations.
Solution:
Problem: Making the payment process easy and smooth for users.
Solution:
Problem: Meeting local and international laws for online payments.
Solution:
Setting up a payment gateway might seem hard, but it’s important for running a business online. By following the steps and using the right tools, you can make the process easier. Choose a good payment gateway, follow the instructions carefully, and test everything before going live. This way, you can ensure that your customers can pay you easily and securely.
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