The digital economy of Central Asia is developing rapidly, and more and more companies are moving sales online. However, for full-fledged online trading, one website or mobile application is not enough — a business needs a reliable solution for accepting payments.

Choosing the integration method with the processing system is an important step that affects user convenience, conversion, and transaction security. In this article, we will analyze the three main integration options that online stores and subscription services use today.

API (Application Programming Interface) is a way of interaction between a processing platform and an online store's website at the level of program code. It provides maximum freedom in setting up the payment process, but requires the involvement of developers.

Key API integration features: ✔ Full control over the payment process, including the stages of confirmation and refunds. ✔ The ability to create your own payment page adapted to the brand. ✔ Storage of customer payment data (requires PCI DSS certification).

This option is especially popular among marketplaces, service aggregators, and large online stores, for which it is important not only to accept payments, but also to build complex logistical processes.

Example: eComCharge's beGateway processing platform offers a powerful API that allows businesses to flexibly configure payment flows, connect alternative payment methods, and automate repeat payments.

This method is ideal for companies that want to simplify the payment acceptance process as much as possible. Instead of complex development , the online store receives a ready-made payment page hosted on secure servers of the payment provider.

How does it work? 1️⃣ The buyer selects the product and clicks "Pay". 2️⃣ It is redirected to the provider's payment page. 3️⃣ After successful payment, it is returned to the seller's website.

Advantages: ✔ Does not require complex programming — it is enough to insert the code on the website. ✔ High security (customer data is stored with the payment provider). ✔ Ready to work immediately after integration.

Example: In eComCharge's beGateway, the payment page is adapted for mobile devices and supports various payment methods, including bank cards, electronic wallets, and local payment methods.

This option is an alternative to redirection, but with an important difference: the payment widget opens directly on the online store 's website as an iFrame, without redirecting the customer to third -party resources.

What does this give the business? ✔ The customer stays on the site without being distracted by traffic. A branded payment form that looks like part of a website. ✔ Minimum technical requirements for integration.

Example: In eComCharge's beGateway , the iFrame payment form is customized using CSS, allowing online stores to adapt it to their corporate identity.

Which integration option should I choose?

The choice depends on the size of the business, technical capabilities, and customer needs.:

Integration with a payment service is not just a technical step, but a strategic decision that affects customer convenience and business profits.

If your processing company is looking for a reliable payment solution, pay attention to beGateway from eComCharge. It is a modern white-label platform that allows you to quickly and securely connect online stores to online payments, minimizing technical costs.

Do you want to know more? Contact us and we will find the best solution for your business.

The original article is posted on the website eсomсharge.kz