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An Overview of Secure and Reliable Magento Payment Process

Published on 17 June 16

Magento, the popular e-commerce platform written in PHP programming language leverages the elements of the Zend framework and runs on the MySQL relational database. The Magento design facilitates flexibility and extensibility of the components implementing custom websites due to the inherent object-oriented programming concepts. Moreover, it is secure and reliable platform for Payment Gateway Integration.

The online payment made with either a debit or the credit card uses the user’s data to pass through the payment gateway. Three transaction types are recognized in data processing. They are briefed as follows.

Authorize: It is a transaction type in which the cardholder’s account is put in hold and the money is not transferred to the users’ account, but used for potential future collection. Several firms’ reserve the customer’s amount, check for the inventory, and send the goods only if the shopping is possible. This avoids the complications of refund or returns (if any) in case of non-availability of products or shipment of the products.

Capture: In this type of transaction, the authorized amount gets transferred to account depending on the initial parameters. It is used by the physical retailers in reference to a previous authorization.

Sale: This type of transaction is a combination of both the Authorize and Capture type, meant for digital goods and/or the services. For instance, when a song is purchased, it is immediately available for the user immediately after successful payment without going through the process of authorization followed by capture.

Another noteworthy type of transaction facilitates subscription service where billing occurs periodically instead of requesting the details of customer upon renewal of subscription.

Moving further, the Magento Development Services for authentic payment involve minimal generic classes to handle the payments. They are Mage_Payment_model_method_Abstract; Mage_Payment_Model_Method_Cc, and Mage_Payment_Model_Method_Ccsave.

The payment process begins when the user enters his credential on the checkout page. When the user enters the data, it gets validated for default conditions like country, currency, order total, zero totals. Once these things are verified, the customer is provided with the basic review of the order. This happens to be the last chance for cancelling or the editing the orders. Once the customer confirms his payment, Mage_Sales_Model_Service_Quote is created which removes the nominal items, verifies billing and shipping addresses, and the order is placed. Once the order is placed, it confirms for the transaction type request like Authorize, Capture or Sale. The notification is passed onto the user and the created order gets recorded in the admin panel for further updates. Thus, Magento e-commerce development involves a secure payment gateway as each step is methodical leading to authentic and secure payment.
This blog is listed under Development & Implementations and E-Commerce Community

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