OpenCart payment gateway

OpenCart is a platform that provides solutions for creating and launching your own online stores and other web projects.
The main customers of Opencart are small and medium business owners who plan to launch an online store without significant resources and time costs.
Many hosting providers already have the Opencart engine preinstalled, so installation shouldn’t be difficult.
After installation, you can go to the admin panel and select the appropriate theme and start customizing according to the business requirements.
The constructor is open-source. It means that the system has many free modules and add-ons for various needs.
The choice of a payment solution is also important. Website builders, although they provide a payment gateway, it is not their main task, therefore, often, the payment page does not have all the necessary payment methods.
In such a case, the business owner is better off seeking help from a third-party payment processor. These are financial organizations that specialize in providing a turnkey payment solution.

How to choose a payment gateway for Opencart?

We at PayOp have prepared certain criteria that should be considered when choosing a payment solution for an online business:

• Hosted payment gateway or integrated.

A hosted payment gateway is a payment process in which the system redirects the user to the payment gateway server page, where further payment information is entered. The advantage of this method is that the merchant is not responsible for the security of the data. All responsibility lies with the payment processor.
However, there is also a drawback. Clients do not always trust these kinds of redirects, considering them fraudulent. However, it is a great solution for small and medium businesses.
Integrated payment gateway – software that is embedded on the site via API. The entire payment process takes place on the side of the merchant, without redirects. The difficulty with this method lies in the fact that the business owner is responsible for the security of payment data. As a result, the merchant must comply with PCI DSS requirements.

• Transparency of fees.

Before integrating a payment gateway, read the tariff plan in detail. Different payment processors offer different types of fees. Some may charge a percentage of each transaction, others – a fixed amount. Also, there may be commissions for integrating the payment gateway and using it.
The international payment aggregator PayOp has a flat rate, which is below-market and offers free integration up to 5 business days after the submission of documents.

• Data security.

Data security always comes first, because not only the company’s reputation is at stake, but also possible financial losses up to bankruptcy.
Always cooperate only with companies that have PCI DSS Level 1 – the highest certification. Besides, third-party payment processors also have built-in solutions to detect and prevent unwanted transactions.

Among them are:

1. 3D-secure technology. When a customer has to confirm a purchase with a one-time password.
2. Address verification system. The system checks whether the address of the entered card matches the one indicated in the issuing bank.
3. Checking CVV code. CVV code is 3 or 4 digits (depending on the issuer) located on the back of the card.
4. Real-time confirmation. A bank employee can call the number indicated during card registration and ask to confirm the transaction.

• Capabilities.

Payment systems have different capabilities. Some of them only work locally, some all over the world. To select the best solution, you must clearly understand the needs of the business. Do you plan to provide your services only in one country, or internationally? The best solution would be a payment gateway with more payment methods. Agree, there is a greater chance that a customer will purchase if they are allowed to make a payment using the method he is used to.
Currency conversion also plays an important role. Nobody wants to overpay, so the dynamic currency conversion feature is essential.

• Support.

Technical support is one of the most important elements to look out for when choosing a payment gateway for Opencart.
As customers become more and more technically savvy, the payment gateway must have a team of professionals ready to resolve any issue.
At least, the company should have a FAQ section for the most common questions answered.

How to add payment gateway in OpenCart?

PayOp Payment Processor provides fast and free payment gateway integration with the OpenCart platform.

To integrate the plugin, follow the simple instructions:

1. Download the latest version of the plugin;
2. Unzip the folder and upload it to the root directory of the site;
3. Log into the OpenCart admin panel, go to the “Extensions” menu, find the plugin from PayOp and click “Install”;
4. After installation, you can customize the plugin in the “Edit” section;
5. Save the settings. You are now ready to accept payments.

The bottom line

An optimal OpenCart payment gateway is one of the important aspects of online business development, so you shouldn’t choose anyhow. You should also not choose the cheapest options, because most often, behind the attractive price, there are problems with the withdrawal of funds. Remember, quality services cannot be too cheap.

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