Choosing a Hosted Payment Page vs API integration

Are you looking for ways to accept card payments online? You may have noticed a payment gateway offering the choice between a hosted payment page and an API integration. So what are they and how do you choose which one is right for your business?

What is a Hosted Payment Page?
A payment gateway will supply a unique link to page for a merchant to accept credit card payments from customers. The merchant or business can then link to this page from their website.

What are the benefits of a Hosted Payment Page?
There are many benefits and to choosing this option for an online business. Below are some of the key advantages to help you choose the right option for your business:

  • Card security – capturing and processing payments through the gateway ensures there is only one touch point for the card data, this allows you to effortlessly offer security to customers
  • Upload and go – you can simply upload your business logo and information to the gateway without the need for a designer or developer
  • Quick setup – just link from your website to the payment page and start receiving online payments
  • Manage payments – access payment history and process refunds all in a secure environment without the need for any card data

What to look for in a Hosted Payment Page?
Before choosing this option for your business check that your payment gateway complies with the Payment Card Industry Data Security Standards, PCI DSS for short, and are regularly audited by a third party. Most gateways do provide functionality for you to upload your own logo and add business details, however some have limited options so be sure to confirm this first. With the growing trend of mobile browsing be sure to also select a payment page that is mobile responsive.

What is an API integration?
API is an abbreviation of application program interface, essentially integration allows one program to communicate with another using the same language. For example a website will capture the card details and send the payment to a gateway through the API for processing.

What are the benefits of API integration?
Selecting the API integration option requires much more involvement from the merchant or business. This level of engagement also presents many advantages for your business, key benefits include:

  • Visual appeal – your business is responsible for the page therefore you can design and develop the page in line with your brand
  • Easy management – you will have full control over the entire checkout process and can manage it through your own system rather than having to access it through the gateway
  • Seamless experience – the payment page is hosted within the website environment, your customers experience a seamless checkout without visiting an external page
  • Responsive design – provided your business has the capability, you can design the page to be device responsive for mobile and tablet without depending on the gateway

What to know before choosing an API integration?
With an API integration the card data is now travelling through two touch points, your website captures the card data and then sends this to the gateway for processing. If your business is capturing card data then you are responsible for complying with PCI Data Security Standards. Implementing API integration does require a developer preferably with experience in security and online card payments.

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Woman holding credit card while making an online payment on her laptop