When you’re launching an eCommerce store with Adobe Commerce (Magento), one of the first steps you’ll need to take is choosing and setting up a payment gateway.
This is a service that accepts, processes, and deposits payments on your behalf when customers shop at your store – if you want more information about the basics, click here to view a blog the team at 121eCommerce wrote about the basics.
But if you already know a little bit about payment gateways and how they work, you still may have some questions about them and how to implement a payment gateway into your Adobe Commerce store.
We’re here with the answers you need. Read on and get answers to 7 of the most frequently asked questions about Adobe Commerce payment gateways.
Yes. Using a payment gateway on your Adobe Commerce site is the best way to collect funds from customers using debit and credit cards. They are really important for a lot of different reasons – but first and foremost, they protect you from fraud and protect customer payment card data.
This is because payment gateways are responsible for handling pretty much every part of a credit or debit card transaction. They check the card numbers and information, verify the transaction, pull the funds, and perform a lot of other functions.
This means that they can catch fraudulent transactions easily, which reduces costs associated with chargebacks and order cancellations. But more importantly, it means that customer payment card data is not stored on your Magento website – which ensures you’re protected if your store is hacked or breached.
Yes. In order to be compliant with PCI (Payment Card Industry) standards, there are a lot of different steps you have to take – and one of the most important ones is to partner with a payment gateway that is PCI-compliant.
Choosing a PCI-compliant gateway is essential for this. There are more than 300+ different security controls that must be implemented for businesses that handle payment card information directly – such as payment gateways – and a lot of other rules and regulations that these businesses must follow.
Using a payment gateway lets you skip all of this. Because you’re not directly interacting with credit card data or storing it on your servers, you can use your payment gateway provider’s PCI compliance as part of proving your store’s own compliance with PCI standards.
By default, Adobe Commerce supports Braintree, Authorize.net, and PayPal, so integrating these payment gateways into your store is simple.
Once you’ve signed up for an account, you’ll just need to connect your preferred payment gateway to your Adobe Commerce installation. You can even find a full guide to the process from Adobe Commerce at this link.
Not sure which payment gateway to choose? Here’s a comparison of Adobe Commerce (Magento) default payment gateways
Yes. Although Braintree, Authorize.net, and PayPal are supported “out of the box,” you can use almost any payment gateway on Adobe Commerce.
Depending on the payment gateway you want to use, this may be as easy as adding a module from the Adobe Commerce store, or adding a little bit of pre-built custom code. Stripe, a very popular payment gateway, has a dedicated Adobe Commerce module that allows you to add it to your Adobe Commerce store very easily.
However, some other payment gateways may require some custom code and development work. You may want to keep this in mind when choosing a payment gateway – unless there’s a specific reason you need to use a particular gateway, it may be cheaper, faster, and easier to choose one of the default gateways supported by Adobe Commerce.
This depends on the payment gateway you’re using, so we recommend checking their documentation and marketing materials to learn more about their specific tools and how they prevent fraud. However, most payment gateways offer the following fraud protection tools:
This depends on the payment gateway you use. Most payment gateways charge a flat fee for each transaction – 2.9% of the transaction plus 30 cents is the most common as of publication time. Beyond this, though, fees can vary quite a bit. Some payment gateways may have fees such as:
Yes. However, the supported countries will vary depending on the payment gateway you choose. We recommend doing a bit of research about each gateway and their supported countries, particularly if you sell a lot of products internationally.
As experts in Adobe Commerce, 121eCommerce is here to help you with every aspect of launching your store. Whether you’re migrating from another eCommerce platform or you’re starting a brand new venture, our team is standing by to assist you.
To learn more about our services and get started with 121eCommerce, just contact us online to schedule a quick chat. We can discuss your eCommerce store, your goals, and how we can help. Whether you just need a little bit of assistance setting up your payment gateway or you need developers for a full-scale platform migration, we’re up for the job.