If your online store is set up through UXi® Commerce, then you should become familiar with how the online payment methods operate. An online payment method is considered an immediate transfer of the money, paid for the goods, to your payment account. The process of receiving money involves three parties:
- Your online store.
- The payment gateway, a special system located outside your store but connected to it on programming level, that processes your customers' credit cards and does charging.
- Your merchant account at the payment gateway connected to your bank account.
The Payment Process
When the buyer clicks the Continue button on the last checkout step, they are redirected to the secure site of the payment gateway where they submit credit card information, or sign in to their PayPal account, and confirm the payment. At this very moment, UXi® Commerce transfers the customer and order data (order total, tax amount, shipping cost, shipping/billing address) to the payment gateway.
The payment gateway connects to the card issuer, the card's data is verified (or PayPal verifies the accounts if the customer pays with their PayPal account), then either the money is charged or the transaction is declined (e.g. there's not enough money on the card).
The payment gateway then sends the transaction confirmation back to UXi® Commerce. When the payment is accepted, the corresponding order status in the control panel is sent and an email notification is sent to the store owner and the customer.
If the transaction is successful, then the money is sent to your merchant account, who then transfers the funds to your bank account.
The data transfer and transaction confirmation is performed via special secure channels setup between your store and payment gateway; the operations are fulfilled in background.
This transfer is ensured by special settings in your account at the payment side. For example, in PayPal Standard it is Instant Order Notifications, in Authorize.Net - Relay Response URL, etc. Every payment has this setting.
How to View Order Details
Order details are stored in your UXi® Commerce control panel, on the Sales page. Transactions are also recorded in your payment merchant account.
How it Looks From the Customer's Point of View
When a customer clicks the Continue button, they are redirected to the payment site (for ex., PayPal). They enter their credit card details or log in to PayPal, confirm their payment details, then are redirected back to the store and see a "Thank you for your order" page with the order details and invoice.
Your online store must be programmed to be connected to a payment gateway. You don't have to do any programming, as we did all necessary coding and integrated many payment gateways. Your store does not process your customer's credit cards. It relies on known and trusted payment gateways who are able to provide necessary high security level for these operations.
Article is closed for comments.