Online payments only help a business if every payment lands against the right order, every refund is traceable and the books match the bank. Good payment gateway integration makes those things automatic. This guide covers how it works and what to check.
Who wrote this guide
The EZ Solutions team wrote this guide. Our system integration team connects payment gateways, UPI and payout providers to business software, and Engage360 pays member rewards through payout providers.
How does payment gateway integration work?
The flow has four steps:
- The software creates a payment for an order with an amount and an order number.
- The customer pays on the gateway’s secure page or inside its checkout widget.
- The gateway sends the result to the software through a webhook.
- The software marks the order paid, issues the receipt and later matches the settlement.
Why are webhooks essential?
Customers close pages, lose signal or press back. If the software depends only on the customer returning to a success page, paid orders will look unpaid. A webhook is a server-to-server message, so the order status follows the real payment result. Verify the webhook signature, and handle the same message arriving twice without double-processing.
Which payment methods should be offered?
Offer what customers in the market already use. Common choices are UPI, cards, net banking and wallets in some markets, and cards, bank transfers and local wallets in others. Each method has its own fees and settlement times, so compare them before choosing a provider.
How do refunds and failures work?
Plan for them from the start: partial refunds, failed payments, retries, and payments that succeed after the customer left. Each should create a clear record that finance can follow.
What is reconciliation?
Reconciliation matches the payments the software recorded against the settlements the gateway paid into the bank. A good integration stores the gateway reference on every order, so differences show up as exceptions instead of month-end surprises. Linking the result to accounts is covered in Tally integration.
How is card data kept safe?
Use the gateway’s hosted checkout so card numbers never reach the business’s servers. The PCI Security Standards Council publishes PCI DSS, the standard for handling card data. Keep API keys secret, restrict who can issue refunds and log every change.
What does it cost?
Most gateways charge a fee per transaction, and some add set-up or monthly charges. The integration work depends on the number of payment methods, refund flows and reports. General guidance on connections is in API integration.
What mistakes cause payment problems?
The common mistakes are trusting the browser redirect instead of the webhook, not handling duplicate webhook calls and storing no gateway reference on the order. Each leads to paid orders that look unpaid, or refunds that cannot be traced. Tests should simulate failures, delays and repeats, not only the happy path.
How should the rollout be tested?
Use the provider’s test mode for every payment method, then run a small live transaction in each. Check that the order status, receipt, stock and accounts entry all update. Finance should confirm that one day’s settlement matches the day’s orders before the integration is declared finished.
What reports should finance receive?
Finance needs a daily list of payments by method, refunds issued, failed attempts and the expected settlement amount. A report that shows differences between orders and settlements points straight to the cause, such as a refund or a fee, without a long search.
How EZ Solutions integrates payments
The team builds checkout, webhooks, refunds and a reconciliation report, tests failures as carefully as successes, and documents the set-up for the finance team.
Explore integrations at EZ Solutions
