QnA Blogs | Top Payment Gateway Integration Service | Online Payment Solution

Online Payment: How Does It Work?

Posted on January 10, 2023 | by dpgadmin | 8 Comments

Making an online payment is not that different from purchasing at a point of sale. Both work the same way: exchanging a good or service for payment. But in the case of an online sale, unlike a physical transaction, the two protagonists are not in contact. This specificity requires specific operating rules to ensure the smooth running of the payment. What are the prerequisites for the consumer and the merchant to know so that the exchange works properly?

Online payment – Consumer Side

How does the moment of the online transaction take place? The customer designates the product(s) of his choice, selects a payment method, then is redirected to the corresponding payment platform. To ensure that this scenario unfolds properly, a few checks should be carried out beforehand:

Does the company look serious? To answer this question, one can, for example, check that the contact details given are the correct ones (telephone, email, address), or read the general conditions of sale. A good way to complete this step is to check if there are user reviews, and if they are positive,

Is the site secure? The moment of payment is sensitive, it is essential to ensure that the exchanges are protected. To do this, make sure that the payment platform has a padlock icon visible on your browser. You can also check the site address. It must imperatively begin with the letters “HTTPS”. This is a security standard that guarantees the user that the data on the page is encrypted,

In any case, systematically keep the proof of payment after each online transaction. Also, avoid pre-registering your bank details as are sometimes offered by merchant sites.

Online Payment – Company Side

For the merchant, it is essential to offer online payment solutions adapted to its customers. The most widely used option is the bank card.

If the merchant wishes to offer more advanced payment functionalities, there are many programming interfaces (or APIs) made available by different providers. This means that it is possible to personalize the online payment solutions offered, for example by allowing consumers to pay in installments.

To ensure the smooth running of online payments, the company is responsible for providing its customers with appropriate solutions, combining security and simplicity!

Online Payment – Rights And Duties

When paying online, the total price must be indicated, taking into account taxes, any additional costs, and delivery,

Once the payment has been made, the company has a maximum period of 30 days to deliver the order,

The consumer has a right of withdrawal of 14 days from receipt of his purchase. This can therefore be canceled without justification during this period, and must be reimbursed in full by the company,

When purchasing by credit card, the merchant site may legitimately ask you for your card number, and its expiry date.

Today, making an online payment is no riskier than a physical purchase. At the same time, the platforms are becoming simpler, both for companies and consumers. These payment methods are now integrated into the daily life of Internet users!

Criteria For Choosing Online Payment For Your Site?

Posted on January 3, 2023 | by dpgadmin | 10 Comments

When you create an online store, you need a payment method so that your customers can pay you. With so many options available, how do you choose and find the one that meets your needs?

Before reviewing all the online payment solutions, let’s review the basics.

What Is An Online Payment Solution?

In simple terms, an online payment service allows you to:

Encrypt and send all data involved in the transaction.
Check and confirm that the card/payment option is authorized.
Once everything is encrypted and authorized, it then ensures that the transaction is processed and cleared.

Money management is a sensitive subject, what are the criteria to take into account before choosing a payment service for your store?

What Are The Criteria For A Good Payment Method?

Security

When it comes to conducting online transactions, security is always the number one priority for users. To ensure that your payment provider is secure, always check that they are PCI compliant.

All payment solutions mentioned here are compliant and have additional security measures.

The Simplicity Of Payment

Another very important factor to consider is the ease of use. 1 in 4 people abandon an order because of a “too long/complicated ordering process”.

The checkout process is a very important section of your website that you can customize to dramatically increase conversions. By reducing the number of clicks needed to buy a product, you optimize the user experience during the payment phase, which reduces the cart abandonment rate.

Payment Methods

Each customer has their online payment preferences. And each country has its preferred payment methods.

The more people can pay you, the better. The number of payment options offered on your site is also an important point.

Interestingly, e-wallets are gaining popularity and cards are losing popularity as online payment methods. Something to consider before making your choice.

Transaction Fees

Transaction fees are also important to consider. To be competitive, some payment providers offer volume discounts and different rates for micropayments.

Why And How You Can Integrate Online Payment On A Website?

Posted on December 22, 2022 | by dpgadmin | 5 Comments

so online payment is crucial to be set up and integrated before the website is launched. In the following, we will look at the payment options available and what needs to be done to keep the business running smoothly.

Payment Options :

To give your site the best chance of success, the payment options you offer must allow as many customers as possible to buy from you. That means you need to accept credit cards, debit cards, and online payment, some of the three most popular ways people pay online.

Although they are used less often, there are other payment solutions that you can use if you wish. You can, for example, accept payment by bank transfer. For smartphone users, an alternative is to allow payment through apps such as Apple Pay or Google Pay. Finally, if there is no possibility of implementing these functions at all, then it is enough to offer cashback payment.

Taking Credit And Debit Card Transactions :

In this section, we’ll look at what you need to do to accept online card payments. Payment gateways, payment processors, and merchant accounts are all things you’ll need to set up.

Opening A Merchant Account :

Standard business bank accounts don’t allow you to take online payments from debit or credit cards, so you’ll need to open a separate merchant account before you can accept them. The sole function of a merchant account is to make online payments so that once the transactions have taken place, the money is instantly transferred to your standard business account.

There is a wide range of accounts available and it is not necessary to use the one provided by the bank where you already have a business account. Indeed, it would be preferable to choose a different provider, as the fees may be lower.

And although these are a bit difficult to compare, as some banks charge a set monthly fee, some take a percentage of the value of each transaction, and others charge both ways at the same time.

Choosing A Payment Processor :

A payment processor is a third-party company that handles financial transactions between you and customers. It ensures that payment takes place by transmitting payment information, i.e. card details, from the buyer to the merchant account. Part of this process will involve communicating with the customer’s card company to authorize the payment. Payment processors also work the other way around, allowing refunds to be made and ensuring that the money goes directly into the customer’s account.

Although payment processors belong to separate companies from the merchant account provider, the fees for their services are often included in those of the merchant account.

Setting Up A Payment Gateway :

A payment gateway is software that performs several important functions such as:

calculates the cost of the goods in the shopping cart
add any VAT
calculates the correct shipping costs from the chosen options
deducts any discounts on the codes or vouchers used by the customer
securely retrieves and encrypts card data and customer information

In many cases, the payment gateway is provided by the payment processor and you will need to install it on the site from which the online commerce activity is carried out. If you use a CMS, such as WordPress, you can choose from a multitude of plugins specially designed to easily integrate a payment gateway.

SSL Certificate :

If you accept card payments of any kind, you will need to take steps to ensure that your customer’s financial data is kept secure during the transition from your website to your payment processor. The way you can achieve this is by getting an SSL certificate. An SSL certificate encrypts your card information and other data so that even if it is intercepted during the transition, it cannot be accessed and stolen.

Another benefit of an SSL certificate is that websites that use them have a green padlock displayed on users’ browsers to indicate that it is secure. This gives customers more confidence in making purchases, which is especially important if you own a new business looking to attract customers for the first time.

How To Know About A Payment Gateway?

Posted on December 20, 2022 | by dpgadmin | 7 Comments

You’ve probably heard of payment gateways! As complicated as the term may sound as part of financial jargon understood only by financial gurus, you no longer need to be in the dark. It’s paramount that you learn what a payment gateway is and its functionality or role in accepting credit card payments for your products or services. Following are some important things about the payment gateway.

STEPS :

Know what a payment gateway is. A payment gateway is a computer program that works for online business people. If you plan to sell your goods online, you must have a payment gateway.
Learn how to use it. A payment gateway works in conjunction with shopping cart software.
Using an online shopping cart, customers browsing through the products you have featured online can choose what they want to buy, including the color, size, quantity, etc. After the decision to purchase all the items has been made, the customer may proceed to the virtual checkout counter, where the shopping cart software not only adds up all the costs of the selected items but also adds the necessary shipping and other fees. Finally, calculate the total payment due. The shopping cart itself contains an online form in which customers enter their credit card numbers and other relevant customer information.
Examine how it works. The card information entered is encrypted by the shopping cart software. Once the online form is completed, the customer clicks “SEND”. Then the payment gateway software encrypts the information and sends the data to the credit card processing company. The gateway then informs the customer whether his/her credit card transaction is accepted or declined with the appropriate return message. The whole process is carried out under extreme security measures!
A payment gateway provides merchant batch processing. At the end of each business day, the payment gateway collects all the transactions that have taken place on your site and then sends them all at once to your bank. The bank then collects payments from customers and deposits them into your account.
A payment gateway contains a reporting tool. The payment gateway software includes a reporting tool where you can view all the transactions of your online store. You can then view, correct or save these transactions on your PC. This way you stay up-to-date with your online site.
A payment gateway screens all transactions to check for fraud. With a payment gateway, you don’t have to worry about dishonest customers using counterfeit, cloned, or stolen credit cards. It contains highly effective screening tools that exclude these fraudulent transactions.
Use the virtual terminal facility. The payment gateway virtual terminal allows you to manually enter this information into the payment gateway software.

If you want a payment gateway for your online business, you can either buy it or subscribe to a company that offers a payment gateway program. Many companies offer this service. Choose one that suits your business style, needs, and budget.

What Is A Payment Gateway And How Does it Work?

Posted on December 15, 2022 | by dpgadmin | 9 Comments

The checkout page is an essential part of any online business. Companies can achieve significantly more conversions if they offer their customers convenient payment options. By choosing a reliable payment gateway, merchants can grow their business and focus on their core business, rather than figuring out how to collect payments.

Here, Digital Payment Guru will help you with the Best Payment Gateway Integration Service. You can choose Choose from the range of Top Payment Gateways for your business.

What Is A Payment Gateway?

A Payment Gateway is an infrastructure that allows collecting and transferring. A Payment Gateway is an infrastructure that makes it possible to collect and transfer payment data from the point of interaction (Point of Interaction, PI) to the payment provider. The interaction point can be a website, a mobile device, or a terminal.

Simply put, a payment gateway allows merchants to transfer from their customers.

How Does The Payment Gateway Work?

Online transactions through a payment gateway involve several parties. Here are the main ones:

Company: Any type of entity that sells goods or services.
Consumer: The payer who makes a purchase.
Issuing Bank: A financial institution that holds the consumer’s account.
Acquiring Bank: A financial institution that maintains the seller’s agreement and account.
Issuer Processor: Technological partner of the issuing bank that takes care of most of the technical functions, such as pin validation (PIN – block), 3D security (ACS), etc.
Card System Networks: Companies that process debit/credit cards, such as Visa, Mastercard, etc.
Acquiring Processor: Technology partner of the acquiring bank, usually responsible for payment gateway and POS processing.

Here’s An Example Of How The Payment Gateway Might Work:

A consumer initiates a payment by purchasing on a merchant’s website.
The gateway on the merchant’s website sends encrypted payment card information to the card network, through the acquiring processor, on behalf of the acquiring bank.
Based on the card details, the card network sends the transaction via issuer processors to the issuing bank to authenticate users (in the case of 3D secure) to check whether the balance is sufficient and, depending on the risk rules, whether the issuer has completed the transaction approves.
The issuer approves or rejects the transaction and sends the response through the issuer processor, the card network, and the recipient processor to the gateway.
If the transaction is approved, the card network settles the money with the acquiring bank by transferring the money from the consumer’s bank account to the acquiring bank. The acquiring bank then deposits the money into the seller’s account, according to the contract rules and an agreed revolving reserve.
This current can be shortened by eliminating the issuer processor, the receiving processor, and the card networks. made it possible for licensees to offer account-to-account payments (A2A payments). These payments enable direct transactions from the consumer’s bank account to the merchant’s account, bypassing the acquirers, processors, and card networks. cost less for merchants because they don’t have to pay card processing fees and don’t have to have revolving reserves on acquirers.

What You Need To Know: Payment Methods On The Internet

Posted on November 29, 2022 | by dpgadmin | 5 Comments

Payment should be easy for everyone, be it cash or electronic payment. But that is not obvious. A large group of people has difficulty with this. Think of some elderly, deaf, blind, low-literate people or people with a physical disability. It is important that they can also arrange their daily payment and banking affairs independently. And that they have as much choice as possible about how they pay. What does DNB do for accessible payment transactions?

Shopping on the Internet enjoys general popularity, above all because it is possible to shop at any hour and potential customers have the greatest possible choice.

Not only with products but also with the various payment options.

In our blog article, we go into the advantages and disadvantages of the respective payment methods.

Due to the various payment providers, paying for online shopping is very convenient.

Many online shops prefer to pay in advance because the customer has already paid for the product before it is even shipped.

Purchase On An Invoice :

From the point of view of your customers, purchasing on the account is one of the safest payment options.

The advantage: Customers first receive the goods and only then have to pay.

The same applies to returns. In the end, you only have to pay for what the buyer wants to keep.

Pay By Direct Debit :

With this payment method, the retailer has the account details and the consent of the customer, so that money can be debited from the account.

This is how online shops get their money quickly and customers can look forward to fast delivery, especially in large shops.

The advantage for customers is that the payment can be reversed within eight weeks if something goes wrong or the product is disappointing.

Shop Online With A Credit Card :

There are many countries where paying by credit card is much more popular.

Likewise, products in the B2B sector are often paid for by credit card.

After entering the credit card details, the payment can be made directly, which is a great advantage for online shops.

As with most other payment options, customers can use the so-called chargeback procedure to reclaim the amount already paid for credit card payments if there are problems with the product or shop.

The Advance Payment :

Every company is interested in the fact that payment by customers causes as few costs as possible – especially for smaller companies it is immensely important to keep costs as low as possible.

This is a way to reduce complications with late customers and thus prevent payment difficulties.

That is why prepayment is very popular with small online shops. With this payment method, the invoice amount is on the account before the goods are shipped.

In addition, many fake shops only offer this payment method. Therefore, offer different payment options so that your customers can choose the payment method that suits them best.

The Installment :

Buying in installments corresponds to modern buying behavior: Take it with you immediately, pay later – online shoppers no longer want to save for a large product for a long time. The solution: installment payments.

Customers want flexibility. This is why the financing option is particularly useful for higher-priced products.

Looking forward to the Payment Gateway work and its usefulness Digital Payment Guru helps you to identify the Best Payment Gateway for your business.

Integrating Payment Gateways for Nonprofits and Fundraising

Posted on November 24, 2022 | by dpgadmin | 5 Comments

In today’s era of digital communication and online fundraising, nonprofits have recognized the need to simplify their supply chains and ensure simple and secure channels through which they can pay their sponsors and integrating payment gateways into their operations has been an important step towards achieving this goal.

Payment methods act as a bridge between websites or nonprofit banks and financial institutions, enabling seamless Internet transactions. This combination brings many benefits to nonprofits and fundraising efforts:

Provides ease: Payment gateways offer a wide range of payment methods such as credit/debit cards, e-wallets, and even cryptocurrencies, making it effortless for providers to they will help This feature encourages more supporters to get involved.

Security: Payment channels are equipped with robust security features, protecting sensitive provider information. This builds confidence in potential donors who may be concerned about the security of their financial data.

Automated processes: Payment gateway integration allows for automated donation tracking, receipt generation and reporting. This reduces the administrative burden on nonprofit organizations, freeing up resources for more profitable activities.

Giving Back: Reimbursement strategies support giving back strategies, which are critical to the long-term sustainability of nonprofits. Donors can set donation thresholds, creating consistency in fundraising efforts.

Global reach: Payment methods facilitate international donations, expanding the reach of nonprofit donors beyond geographic boundaries.

Data insights: Nonprofits can access valuable data and analytics through payment methods, helping them understand donor behaviors, preferences, and trends. This information can guide targeted fundraising campaigns.

While there are many advantages to integrating payment gateways, it is important for nonprofits to choose the right gateway provider through factors such as transaction fees, contractual terms, and how gateways consider the alignment of the funds with their fundraising.

In conclusion, payment channels have become important tools for nonprofits and their fundraising efforts. They enhance the donor experience, improve operational efficiency, and enable nonprofits to have a greater impact in their constituencies. By adopting this technology, nonprofits can better mobilize support and funding for their products, creating a brighter future for all.

How Online Payment Prevents The Spread Of Coronavirus?

Posted on March 26, 2020 | by dpgadmin | 10 Comments

We all are aware now that the coronavirus does not spread through Chinese food or Alcohol Beverages, importing goodies from china, and more, but one thing we are not aware of is the risk of getting infected through currency note exchange.

Since India has shot up to 110 cases of Coronavirus, the government has issued several measures to keep people safe.

What is Corona Virus?

Coronaviruses are a wide family of viruses, according to WHO, that trigger diseases ranging from the common cold to more serious diseases including Middle East Respiratory Syndrome and Extreme Acute Respiratory Syndrome.

A novel coronavirus is a modern

strain not previously found in humans.

What Causes Coronavirus?

WHO is not sure about the cause of coronavirus. For now, doctors and medical experts have reported that respiratory droplets are produced when a person already infected by coronavirus coughs or sneezes.

A recent article by Economic Times states that exchanging cash could be risky for people as the virus is spreading fast. In India, cash is still the primary mode of payment. For all the small payments in the market, restaurants for traveling we prefer cash payment.

Cashless Payment prevents the spread of Coronavirus.

Currency notes are easily transmittable to disease carriers.

Indeed, the 2016 International Review of Scientific Research reported that over 58 percent of banknotes bore pathogenic disease- agents.

So, how are you making payments? Go ahead! It is safer to use digital wallets in moments like these to carry out all of your purchases.

How Digital Payment can help you in the Corona Virus outbreak?

Qr Code Payment

In all the grocery stores, instead of taking cash, you can put the QR Code on the cash counter which can be scanned by your customers to make payment. All you have to do is, Download a UPI payment app like Google Pay, PhonePe, BHIM, or Paytm and print your QR code and stick it on the cash counter. The payment is done in seconds and reflected immediately in your bank account.

Card Payment

For years now we have used credit cards and debit cards to make online payments. A good enough substitute for cash, cards are a good idea if you’re running a company that needs a huge customer payment.

Payment Gateway

Using a Payment Gateway can be helpful as you can accept huge payments from your customers online. All you have to do is sign up with a payment gateway, update your bank details, and start using the payment gateway. You can accept payment by adding a payment button on your website or sending the payment link to customers, they can click on the link and make payment using the desired payment method like debit card, credit card, NEFT, UPI, and more. With a Payment gateway, you can accept payments anytime anywhere.

E-Wallet

You can accept payment from your customer into the e-wallet, payment apps like Paytm, Amazon provides an e-wallet feature. This money cannot be transferred into a bank account but can be used to make bill payments.

What the RBI needs you to do to prevent the disease from spreading:

When you are visiting an ATM to withdraw cash, make sure to wipe the keypad with a tissue before and after using it. Do not reach an ATM when it is busy and if hand sanitizer is available, apply it after handling the cash.

Note, don’t panic, don’t touch your face, and, most importantly, start collecting payments online –it could save your life!

Reasons for Online Payment Failure.

Posted on August 29, 2019 | by dpgadmin | 4 Comments

Digital Payments in India have started becoming a primary platform for businesses to make and receive payments for the services they provide. With the development of Internet Technology, there is an increase in the scope for digital payments. Customer who makes an online transaction through any mode of payment has an immense amount of trust in digital payment, in this case, payment failures can be frustrating as putting their bank details online is not a joke.

Payment failures can happen because of an error on the user’s side, it can also be called an incomplete payment. Error at the user end can be incorrect card details, incorrect OTP, or insufficient funds in the user’s account.

Consider an example, Son wants to make an online transaction and he chooses the debit card option to make the payment. The debit is registered with his dad’s details and to authenticate the transaction an OTP will be sent to the registered number which belongs to his dad. The OTP needs to be entered within 15 minutes failed to do so the transaction will be timed out and will be considered an incomplete transaction.

Payment Processing:

The payment processing takes place in the following way:

When a customer makes a payment, there are several steps that are executed while transferring the payment to the merchant. Even a single glitch between these steps can cause payment failure. In the entire payment process where the customer, merchant, and banks are involved, failure at any one end can cause payment failure.

The payment failure can be caused due to:

Bad Internet Connection: For the transaction to execute successfully a stable internet connection is necessary. If the internet is fluctuating, the payment process is affected, and closing the payment window during the process can cause payment failure or incomplete failure.
Authentication Failure: Entering the wrong card details causes Authentication failure. Sometimes the OTP is not received on time and the session is timed out, this can cause incomplete payment. Online payment requires the user to enter things manually which is time-consuming at times and also increases the chances of wrong input.

Following errors occur for the transaction failure:

The transaction cannot be authorized: If the password or OTP is wrong.
Signature validation failed: When the 3d signature is wrong. A 3d signature is used by the buyer to validate the transaction made by the user.
Payment not captured: Due to insufficient balance in the account or due to incorrect CVV.

For Example: If you are making a net banking transaction, there are two passwords for the entire process. 1st password if for login into the net banking portal and the other is for authenticating the transaction. If even one password is wrong the transaction is failed. This is similar to the manual error that occurs during UPI payments or card payments. The amount is not deducted from your account and you receive a message that “payment cannot be processed”.

Technology Failure: Online payment process has several steps for the merchant to receive payment from the customer for his products or services. (issuer bank, acquiring bank, payment gateway). While proceeding with the payment you need to choose the payment mode like Credit/Debit card and fill in the details. Once you finish filling up the details the data is sent to the payment gateway system which then transfers the data to a bank associated with a card. Bank creates requests with payment systems like visa or master card depending on the card used. These payment systems check if the customer has the required amount on balance to pay for the purchase, if yes the bank directly connects with the merchant and the amount is transferred to the merchant’s account within several days. Failure at even one step can cause payment failure.
Downtime: If there are several transactions happening through the system and the payment gateway is unable to reach the customer’s bank to approve the transaction, the payment fails. Downtime of the issuer, acquiring bank or payment gateway of the merchant can cause payment failure.
Security: Issuing bank has an aggressive fraud detection technique that blocks transaction that they feel are not normal to customers spending behavior. This is done by analyzing the transaction history of the customer and the transaction is blocked If it doesn’t conform with the customer’s past spending behavior.

There is no worry if the amount is deducted from your account on payment failure. Your amount is going nowhere, it will be refunded to your bank account after the bank analyses exactly which step the payment process failed.

To know Why Do Payment Transactions Fail On An E-Commerce Site? – click here

Digital Payment Guru provides payment gateway integration services of top payment gateways like PayPal, Paytm, PayU, Instamojo & Atom at the best market rates. If you are confused about which payment gateway to choose from, we can help you choose the best payment gateway for your business by analyzing your business requirements.

Everything You Need To Know About Recurring Payments

Posted on August 8, 2019 | by dpgadmin | 11 Comments

If you are offering a product or a service for which you want to charge your customers on a repeated basis, recurring payments are something you should opt for. It is a convenient option that your customers do not have to remember to pay for your products or services. Using recurring payments allows you to sell your products and services automatically. Checkouts are optimized to make it easier to predict the cash flow.

What are Recurring Payments?

Recurring payments are repeated payments, you are charged automatically for the products or services you are subscribed to and charged on a fixed interval. It can be for a specific period of time depending on the business model. The whole process is initiated by card authorization in the following steps:

The recurring payment option is selected by the customer on your website.
Now they need to accept the terms and conditions for authorization.
Once authorized they need to provide their card details and confirm the payment, now the customer will be charged at fixed intervals until they choose to cancel the subscription.

For Example, if You have subscribed to a broadband connection on a monthly basis, and you renew your broadband service every month, instead of doing that you can choose the recurring payments option on their website. Now the amount will be automatically deducted from your account every month and your subscription will be renewed automatically.

Advantages of Recurring Payments for Merchants:

Monitor Cash Flow: The merchant can monitor the average cash flow that is being credited into his account which can help him build a strategy for the future.
Fewer Missed Payments: As the payments from customers will be automated, the merchant does not have the hassle of sending payment reminders to his customers thus saving time and money.
Reduced Processing fees: As the recurring payments are done online, the extra cost required for cheque payments will be avoided.
High Customer Retention: If the customer wants to stop the recurring payments they need to cancel the subscription which is most likely not going to happen.

Advantages of Recurring Payments for Customers:

Avoid Late Fees: Many businesses charge a penalty for late fees which can be avoided using recurring payments as the amount is automatically debited after a fixed interval without having to remember. They are most beneficial for those who travel a lot and do not have time for renewals.
User Convenience: Once the customer has opted for recurring payments, they do not need to log in again to make a payment, the payments will be done automatically after the fixed interval for the products or services.
Manageable Spending: If a customer wants to buy an expensive product and he doesn’t have enough balance in his bank account, he can split the amount into multiple billing cycles with recurring payments.
Quick Payments: Use of a cheque payment is time-consuming as it takes some days for the amount to reflect in the merchant’s account at the same time you have to stand in the queue for making a cheque payment. Whereas recurring payments are online payments and the amount is reflected immediately into the merchant account at the same time automation is what makes recurring the preferable option over a cheque payment.
Environmental Saving: Recurring payments are digital payments and are an alternative to paper-based payments like a cheque. Recurring payments have no paper billing, everything is digital in recurring payments thus saving the environment.

For a recurring payment, the subscription model works best for large merchants with multiple products. Recurring payments are game-changers, you need to rethink as to what works best for your customers.

Digital Payment Guru provides payment gateway integration services of top payment gateways like PayPal, Paytm, PayU, Instamojo & Atom at the best market rates. If you are confused about which payment gateway to choose from, we can help you choose the best payment gateway for your business by analyzing your business requirements.

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