What is a payment request API and how can it be applied?
The payment request API is a new web standard that facilitates the payments process on the web. It simplifies the checking-out procedure, which makes it way easier for customers and merchants.
API payment service functions as a mediator between an eCommerce website and a customer’s eWallet. It captures payment credentials, such as credit card data, along with shipping and contact info from the payer via a quick, secure and easy user payment form that can be customized by a merchant.
API payment service facilitates the purchase, and it can keep the customer’s data for further transactions. Currently, it is supported by the most common browsers: Google Chrome, Opera, Safari, and Edge.
With the API payment service, there is no need for a user to input the info over and over, so it saves time and makes a checkout more seamless. Integrating the payment request minimizes the purchase process just to one tap – a final confirmation.
Before, a customer had to enter the payment and shipping data each time when buying on the web. In the last part of this article, we will explain how exactly an integration of the payment request works and which types of merchants can benefit from it the most.
The payment service form would pop up whenever a user hits a purchase button. As it is a middle entity, it captures all the needed data, and a customer only confirms or rejects the particular transaction.
A typical payment form includes:
- logos of accepted payment methods;
- order summary with item price, tax, and postage;
- payment info;
- shipping and contact information;
- buttons to confirm or reject a transaction.
Benefits of the API payment service
- Quicker purchases. Any customer can perform payments for business faster as they input purchase and shipping data just once. A user is also enabled to choose one of the previous payment inputs. PR API option functions across all devices within the browsers, which are mentioned in the first part of this text. The only thing needed is for a merchant to apply an API payment service to the website.
- Payment solutions selection. A customer can manage personal data and payment solutions, such as credit and debit card info, shipping, and billing address, right in the browser. Besides that, a customer can input multiple data sets and afterward select out of them. A browser can sync credentials across devices, simplifying cross-platform shopping.
- Better UX. Because the payment form is managed by the browser, the user experience is stable across all the websites integrating the payment request API. It means the browser can control the user experience and adjust it to the customer. For example, by localizing the form in correspondence with the customer’s language in the browser, as so users in France would have it in French, and Austria – in German.
- Accessibility. The browser takes care completely of the input items of the payment form, so it can guarantee both consistent keyboards along with screen reader accessibility on each web platform without developers’ extra hours. A browser can as well modify the font size, the color contrast of the purchase form, making it way more comfortable for the user.
How to integrate the payment request API with Maxpay
To successfully implement the PR API, a merchant needs to partner with the payment service provider, no matter if a merchant is located in Europe or the UK. It is so because payments for business can be handled only by specific financial institutions.
Integrating the payment acceptance services with Maxpay can take two forms. In short, the first one is Hosted Payment Page suitable for merchants without PCI DSS compliance. And the second one is PR API, which is the best for those that obtain the compliance, and also want to have full control over the payment form and data.
Both integrations of payment solutions require the primary registration at Maxpay. After the approval, other services, like PR API, can be implemented.
Hosted Payment Page
|Takes around one business day to integrate the Payment Request API.|
|No need for PCI DSS compliance, all the card data will not be exposed to a merchant and will be handled by Maxpay in the background.|
|No need for a massive IT source, our team helps to input the code in the merchant’s website and tests the payment cycle.|
|Design modifications, the personal space at Maxpay’s website would let a merchant customize a payment form.|
In this case, we perform the integration by giving a merchant the code to input in the website code and testing the payment functionality to put the selling platform online afterward.
Payment Request API
|Access to open credit card data, but a business must be PCI DSS compliant.|
|Flexible integration, we give URLs from our documentation and libraries to the business’s developers for them to perform this integration.|
|Fully-customized design, developers have full access to the code and so they are able to design items according to the company’s branding.|
During the upgraded integration a merchant must give us the IP addresses to send requests. Here we let the local developers do the job, but still we test the functionality before making the website live.
What is a payment request API?
It is a way to take payments on the web via the form. It can sync the data and fill it automatically for any further transaction. Each time, when payment is requested this form appears on the site.
How do you integrate payment integration?
You need to partner with a payment service provider. It will help to implement the Hosted payment page or PR API. The difference would depend on whether the business is PCI DSS compliant.
How does API work in payments?
It saves the purchase data for a user not to input it over and over. This data can be treated by merchants directly. Or it can be processed only by PSPs to expose the card data.
How do I make a payment API?
First, contract with a payment service provider. Then you should fill in the application. After that, you should request a payment API service to be implemented.