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Can you tell be the basic architecture of a online payment gateway.

But it supposed to be for credit card holder only, i.e how payment gateways responded to credit card? How gateways recognize the credit card issuer?

Alex P
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user12345
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  • I'm sufficiently confused. With regards to how the gateway knows the issuer of the card, e.g. AMEX, Visa, Mastercard, it is by the number itself which has an issuer-specific prefix. Beyond that, you will need to clarify your question. – Tim M. Sep 30 '10 at 08:21
  • While this question may be very general, i would vote to keep it open as someone may be able to provide a good answer on the steps or flow involved. – slugster Sep 30 '10 at 08:47
  • Could be a duplicate of http://stackoverflow.com/questions/2647430/building-a-complete-online-payment-gateway-like-paypal if its related to development. I could describe the architecture in more general terms, but I suspect it would get closed as not programming related :( – PaulG Oct 01 '10 at 21:07
  • @paulG please explain this issue. – user12345 Oct 04 '10 at 10:15

1 Answers1

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There are three basic elements of any payment gateway. Secure storage of credit card number as per the PCI DSS, AUTH and Settlement (capture).

  1. Have a service to securely store the card number and return a token or a hash as handle for credit card.

  2. You need rule engine or a service to Identify the CARD TYPE (VISA, MC, DISC, AMEX etc.) from BIN .

  3. An ESB or content based router to send the request to appropriate acquirer based on CARD TYPE or BIN.

  4. A service with high SLA to perform a real-time AUTH

  5. A service or batch job for settlement (CAPTURE)

Tushar
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