Online payment transaction failure is a business loss. See how you can eliminate the loss by doing a robust payment gateway integration

Failure of eCommerce transaction is a direct sales loss to online merchants. An eCommerce transaction can fail for many reasons, but I want to talk about the reasons which can technically be controlled by merchant and payment gateway both. Let us try to brief the reasons

1. Poor integration of merchant eCommerce platform with payment gateway: A merchant eCommerce platform integration with payment gateway may have following kind of issues
• Integration not tested for different use cases before going in production
• Merchant eCommerce application sending invalid data to payment gateway in a transaction, for example a negative amount in an sale transaction
• Unable to handle a timeout in response from payment gateway. If payment gateway allows merchant should try a status inquiry request with payment gateway
  
  
2. When merchant web application is on HTTP. In this case when payment gateway will be redirecting customer web browser to merchant website, then there may be a warning from secure to non-secure zone and all customers may not be able to handle it properly.
   
   
3. A payment gateway should also be flexible in providing more space to merchant. Like maximum length and allowed characters in customer address field should be sufficient to handle rare cases, payment gateway should be able to handle UTF-8 strings in such cases.
   
   
4. Poor network bandwidth of merchant web application server
   
   
5. Merchant/payment gateway processing many information fields as mandatory, when that part of information can be processed as optional. More are the information fields in process, more is the complexity and chances of bugs.

Click to See Right Payment Gateway Messaging Format for a Payment Gateway Integration for details on messaging format. Thanks for reading