Creating a Payment Gateway

Hello Guys, You’re probably in this Page because you are searching or looking forward to Creating your own Payment Gateway. Am I right? If right let’s move on to the Topic.

Before we consider How to do it, Let me talk a Bit before to explain whether its legal or Not. Is that Legal? In most of the Countries, It’s not an illegal Act if you use your Brain. Yes, Process for getting approval for starting a Payment gateway is a bit long. In India, you would be in need to create a Nodal Bank Account. A Special account for Businesses like eWallets, Payment Gateways and all others who deals with the money of Third Parties. So once you open that account, You can start issuing Merchant Accounts within Minutes. If you’re from US or from some European Countries, You can become a Merchant Account Reseller with Top Payment Gateways who provide White-Label Processing and Account Management. As an add-on for these legal steps (Edit: Not an add-on but a Mandate), You need to be a PCI Compliant. Getting PCI Compliance is not  Big Deal at all! You can purchase PCI Scans from Leading vendors like Comodo, Trust wave, etc.,

What is PCI?

The Payment Card Industry Data Security Standard (PCI DSS) applies to companies of any size that accept credit card payments. If your company intends to accept card payment, and store, process and transmit cardholder data, you need to host your data securely with a PCI compliant hosting provider.

According to the PCI Security Standards Council, there are 12 PCI compliant requirements that meet a variety of security goals.

1. Install and maintain a firewall configuration to protect cardholder data.

2. Do not use vendor-supplied defaults for system passwords and other security parameters.

3. Protect stored cardholder data.

4. Encrypt transmission of cardholder data across open, public networks.

5. Use and regularly update antivirus software.

6. Develop and maintain secure systems and applications.

7. Restrict access to cardholder data by business need-to-know.

8. Assign a unique ID to each person with computer access.

9. Restrict physical access to cardholder data.

10. Track and monitor all access to network resources and cardholder data.

11. Regularly test security systems and processes.

12. Maintain a policy that addresses information security.

But I don’t have enough Patience to Explain in deep about all requirements in this single Post. So to know more about PCI Compliance Requirements, Click Here

How to Obtain PCI Compliance Certificate?

As I have said before, It’s not a big deal to get PCI Compliance if your Website is Secured Enough. Just purchasing Comodo PCI Scan will take care of the whole Process. Yes, What you actually need is to purchase the Scan and run Scans. Once the first scan is Taken, You must look on the Report to make sure your site is Eligible for PCI. If not follow some simple ways to make your Script very Safer. Once you comply with all 12 Requirement, your website will be given with PCI!!


Should you employ an IT Team?

The straight forward answer is No if you’re a Developer and Yes if you are not a Developer. It’s very important to know about some basic concepts of your Payment Processor even if you have purchased a Ready made Payment Gateway Script. I have also developed a Solution for your Starting a Payment Processing Business. I think it would be helping you to do whatever you need! Take a look at my Payment Processor Script


Payment Integrations

Last but not the least, You will be in need to convince Credit, Debit and Banking Institutions for accepting their methods as Payment Options. There are a numerous number of banks present in the World. So I suggest you get Partnership with Local Payment Gateways just like RazorPay and Instamojo did. Both of them doesn’t have convinced Banking Institutions, But they got a tie-up with leading Payment Service Provider.


Security! Security! Security!

Yes, You and your Site should be very Secure. Try Installing most of the Security Solutions available for Websites to secure it from Hacks. A solution that might interest you would be Sitelock. It prevents your site from direct access and Indirect Hacks. You should keep improving your Site’s Security 24×7 inorder to keep your Merchant’s client Data Safe..



So, I hope that this Article would have given you a Basic and Rough Idea on creating a Payment Gateway from scratch. As I have said you before, I have created a very good and well-secured Payment Processor Script which is ready for Purchase at Themeforest. The script can not secure everything, But it also depends on the Servers you choose to use with the Script. So, Take a look at TMDHosting, Hostwinds and to get secured Servers all in around. If you find this Article helpful, Please help us to spread this Article with just posting a Single Feed on your Social Profiles.


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