Online Payment Integration

Joomla Day Kenya 2014

Laban Ndwaru

www.labanish.me.ke

Web and Mobile Software Developer

Msc Student, MTI, Strathmore University

Payment Gateway

● A service used to process credit card transactions for the online customers

● These gateways enhance e-commerce ● Some of these gateways requires the user to have a

merchant account● They offer a transaction fee ranging from 2.5% to 5% based

on the payment method and the volume of transactions

Why Online Payment Integration?

● Online Shopping● Pay for Utility bills● Make Donations

Payment Process System

Local Online Payment Gateways

Integration Prerequisites

● Joomla Extension- This can be any Joomla ecommerce component.

Integration Prerequisites

● API reference- This code enables you to link to the merchant website to the online gateway service provider.

● Enables you to monitor the state of transaction through IPN (Instant Payment Notifications)

Integration Prerequisites

● OAuth -this enhances the security of the gateway integration.Prevents interference once a payment request is sent to the gateway.

● Mostly uses;○ Consumer Key

Integration Prerequisites

● Others-o Post pay redirection page to your customers.

Online Payment Integration-Security

● SSL- Secured Socket Layer, ensure you are using this protocol - enables encrypted, authenticated communication across the internet.

● Make sure the payment gateway is verified.

Future Contingencies

● Mobile Money Integration ● 3-D secure verification to the credit cards-

Avoid manual checks.● Develop quality websites which provide

more reliable, user-friendly online payment services.-this will enhance customers confidence.

Resources

● http://www.joomla.org/● https://paysure.co.ke● https://www.jambopay.com● http://www.ipay.com● http://developer.pesapal.com● http://kopokopo.com/● http://en.wikipedia.org

Thank you

Laban Ndwaru.@labanish

www.labanish.me.kelaban.ndwaru@strathmore.edu