How to integrate a payment system into your product? | Sailet

With the development of online business and the popularity of e-commerce, the integration of payment systems is becoming increasingly important for successful company operations. In this article, we will discuss what payment systems are and how to integrate them into your product.

How does a payment system work?

A payment system is a service that allows for money transfers and non-cash payments to be made through various methods such as bank cards, e-wallets, or mobile applications.

During the payment processing, all data is encrypted and protected using special protocols of the payment system. This is done to ensure the security of the purchase, so that both the seller and buyers can be confident in the safety of their data. This enables various transactions to be performed, such as authorization, sale, refund, and cancellation.

For the buyer, the payment process usually involves filling out a form, but behind this simple action, the work of several institutions and services takes place, processing payments in just a few seconds. This saves time and makes payment more convenient for all participants.

Types of Payments

Now that we’ve covered the concept of a payment system, let’s discuss the types of payments, their advantages, and disadvantages:

Payment Gateway

It is a specialized service that connects the buyer, seller, and bank by processing payment data and confirming the transaction. It offers a wide range of payment methods and ensures fast and secure transmission of transaction information.


  • High level of security and payment protection provided by data encryption.
  • Abundance of features and customization options to tailor the payment system to specific needs.
  • Support for a wide range of payment methods and currencies.
  • Unified interface allowing payments to be made through multiple banks.


  • Lengthy setup process as each payment method requires a separate contract agreement.
  • Integration of the payment system is usually done through APIs, requiring developer assistance and can be a complex process.

Payment Aggregators

These are platforms that consolidate multiple payment systems and methods in one place, offering convenience and flexibility.


  • Minimal documentation required for account creation and fast application processing.
  • No need to enter into long-term contracts.
  • Low fees for low payment volumes.
  • Easy integration with ready-made modules for various content management systems (CMS).


  • Payment delays as payments first go through the aggregator.
  • Relatively lower level of security and the possibility of freezing payments in case of suspected fraud.
  • Increase in fees with increasing payment volumes.

Electronic Payments

This category includes companies that are licensed to provide financial services and hold their funds in special segregated accounts, such as PayPal, Apple Pay, and Google Pay. To integrate this service into a product, the following steps need to be taken: signing a contract with the operator and undergoing the integration process with the chosen service and bank.


  • Use of familiar wallets without the need for a transition
  • High level of security
  • Convenience of use
  • Disadvantages:
  • Lengthy verification process

Internet Acquiring

It is a service for accepting payments using bank cards or internet banking. The most commonly used cards are Visa and Mastercard.

The process involves multiple parties: the acquiring bank (the seller’s bank), the issuing bank (the buyer’s bank), the card or account holder, the payment system, and the service provider.


  • High security standards


  • Lengthy verification process
  • High commission fees
  • Lack of technical support
  • Self-integration

How to Choose a Payment System?

When selecting a payment system, several key factors should be considered, such as:


Ensure that the chosen payment system supports the required functionality, such as recurring payments, subscriptions, or multi-currency transactions.

Payment Methods:

Check which payment methods the payment system supports and choose the ones that are most convenient and popular among your users.

Technical Requirements:

Find out if the payment system is compatible with your technical infrastructure and technology stack, and whether it has a convenient API and integration documentation.

How to Integrate a Payment System?

Now let’s go through the steps of integrating a payment system:

Step 1: Registration and Access

Create an account with the chosen payment system. Provide all the necessary information and gain access to the payment management interface. You may need to provide documents and business information for verification and account activation.

Step 2: Configure Payment Settings

Define the payment parameters according to your business requirements. Set prices, currencies, taxes, and other parameters necessary for the proper display and processing of payments in your product. To save time, you can request technical support from our team.

Step 3: Integrate the Payment System API

Familiarize yourself with the integration documentation and guides provided by the payment provider. Integrate the payment system’s API into your product. This may involve using ready-made payment forms, plugins, or creating your own integration through the API.

Step 4: Testing and Debugging

After integrating the payment system, conduct testing to ensure that everything is functioning correctly. Test various payment scenarios, including successful transactions and error situations. Debug and fix any issues or discrepancies.

Step 5: Launch and Maintenance

After successfully completing testing, launch the integrated payment system on your website or application. If necessary, provide information about payments and transaction processing to your customers. Regularly update and maintain the payment system, monitor security, and implement necessary measures to protect data.


Integrating a payment system is an important step for a business accepting online payments. Choosing the right payment system and integrating it properly will ensure convenience and security for your customers. Consider the specific features of different payment types and choose the most suitable ones. 

If you want to implement a payment system in your product, you can  visit our website at

All articles by the author