Paiement hébergé
Le paiement hébergé de Cardflo offre une expérience de paiement sécurisée et personnalisable à vos clients. Cette solution réduit les contraintes de conformité PCI tout en maintenant la cohérence de la marque.
Elle s'intègre de manière transparente à votre site existant, offrant un moyen fiable et efficace de traiter les transactions sur plusieurs méthodes de paiement et acquéreurs.
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L'aperçu
A hosted checkout serves as a PCI-compliant payment interface managed by a payment service provider rather than the merchant.
When a consumer initiates a transaction, they are redirected to a secure page hosted on the provider's infrastructure or presented with an overlay that captures sensitive card data.
This structure ensures that Primary Account Numbers and security codes never touch the merchant's servers, effectively reducing the PCI DSS assessment scope to the simplest level, typically SAQ A.
Beyond compliance, the hosted model integrates several critical layers of the payment stack, including 3D Secure 2. 0 authentication, fraud screening, and address verification.
It acts as the final intake point before the gateway routes the authorisation request to the relevant acquirer.
By decoupling the payment capture from the merchant's core application, businesses can update payment methods or security protocols without modifying their internal codebase, ensuring support for various schemes and alternative payment methods via a single integration point.
Comment ça marche
Initialisation and Session Management
The merchant server initiates a checkout session via a server-to-server API call. The payment service provider returns a unique session identifier and a secure URL.
This step ensures that the transaction context, including currency, amount, and order ID, is established in a controlled environment before the customer enters any sensitive payment details.
Secure Customer Redirection
The customer is redirected to the hosted environment or an embedded iframe. This interface is served directly from the provider’s PCI-certified infrastructure.
The merchant may customise the visual elements, such as colours and logos, via a configuration dashboard or CSS parameters to ensure the transition from the shop to the checkout remains cohesive.
Payment Data Capture
The customer enters their credentials, such as card details or digital wallet information. If required by PSD2 regulations, the hosted page triggers Strong Customer Authentication (SCA) through 3D Secure.
All sensitive data is tokenised immediately, ensuring the merchant only receives a non-sensitive reference for the transaction rather than the actual card numbers.
Authorisation and Settlement
The provider forwards the captured data to the acquirer for authorisation. Once the issuer approves or declines the transaction, the hosted page processes the result.
Upon completion, the customer is redirected back to the merchant's success or failure page, while a server-side webhook notifies the merchant's backend to update the order status.
Pourquoi c'est important
Reduced Compliance Infrastructure Costs
Managing a fully PCI-certified environment requires significant investment in security monitoring, auditing, and infrastructure hardening. By utilising a hosted checkout, merchants offload the capture of cardholder data to the provider.
This typically allows the merchant to qualify for the most basic level of PCI compliance, minimising the administrative burden and technical risks associated with data breaches and regulatory fines.
Dynamic Payment Method Support
As the payments landscape evolves, supporting local alternative payment methods becomes essential for conversion. A hosted page allows for the remote activation of digital wallets, bank transfers, and Buy Now Pay Later options without requiring the merchant to rewrite their frontend code.
This flexibility enables rapid expansion into new geographic regions where specific local schemes may be preferred over traditional card networks.
Cas d'usage
Global E-commerce Retailers
Merchants selling across multiple borders use hosted pages to automatically display local currencies and payment methods based on the customer's IP address or browser language settings.
Subscription-Based Services
Companies offering recurring billing utilise hosted checkouts to securely capture and tokenise payment details for future merchant-initiated transactions while ensuring initial SCA compliance.
SME Digital Transformation
Small businesses with limited technical resources deploy hosted pages to achieve a secure, professional payment experience without the need for an in-house security or development team.
En chiffres
This represents an industry-typical reduction in the number of security controls a merchant must personally manage when moving from direct API capture to a hosted model.
Merchants frequently observe improved conversion on mobile devices when moving to a responsive hosted page compared to legacy, non-optimised internal checkouts.
This is a standard timeframe for a technical team to implement a basic hosted redirect flow, which is generally faster than building a custom card-capture interface.
Termes associés
Talk to our team about a live rollout on your acquiring stack.
What you get with Paiement hébergé
- Maintenez la cohérence de la marque avec une page de paiement hébergée personnalisable.
- Réduisez la portée de la conformité PCI en déchargeant la gestion des données sensibles.
- Prend en charge un large éventail de méthodes de paiement et de méthodes de paiement alternatives.
- Bénéficiez d'une optimisation 3D Secure intégrée pour la prévention de la fraude.
- Assurez la réactivité mobile pour une expérience utilisateur cohérente sur tous les appareils.
- Intégrez facilement avec un simple code d'intégration ou un appel API.
- Enable tokenisation at the point of entry to facilitate secure subsequent merchant-initiated transactions.
- Access real-time webhook notifications for immediate synchronisation of order status and payment capture events.
- Optimise conversion rates with localised languages and currency displays based on customer geo-location data.
- Manage fraud risks through integrated AVS and CVV checks performed at the point of entry.
A short scoping call, then a written plan for your MIDs.
Questions about Paiement hébergé
Comment le paiement hébergé de Cardflo contribue-t-il à la conformité PCI ?
Notre paiement hébergé gère les données sensibles des titulaires de carte sur les serveurs sécurisés de Cardflo.
Cela réduit considérablement votre portée de conformité PCI, car vous ne stockez ni ne transmettez directement les détails de la carte, simplifiant votre processus de certification et réduisant les risques.
Puis-je personnaliser l'apparence et la convivialité de la page de paiement hébergée ?
Oui, le paiement hébergé de Cardflo est entièrement personnalisable pour correspondre à l'esthétique de votre marque.
Vous pouvez ajuster les couleurs, les polices, les logos et la mise en page pour assurer une transition transparente de votre site Web à la page de paiement, en maintenant la confiance des clients et l'identité de la marque.
Quelles méthodes de paiement sont prises en charge par le paiement hébergé ?
Le paiement hébergé de Cardflo prend en charge toutes les principales cartes de crédit et de débit, ainsi qu'une sélection croissante de méthodes de paiement alternatives (APM).
Cette flexibilité vous permet de répondre aux préférences diverses des clients à l'échelle mondiale, augmentant les taux de conversion.
Is a hosted checkout compatible with mobile applications?
Hosted checkouts are designed to be mobile-responsive. For native mobile applications, merchants often use a web-view to display the hosted page, or a mobile SDK that provides similar security benefits while appearing native.
This ensures that the payment flow remains secure and compliant regardless of whether the customer is using a browser or a dedicated retail application.
How does a hosted checkout handle Strong Customer Authentication?
The hosted page is built to orchestrate the 3D Secure (3DS) flow. When the transaction falls under the scope of SCA, the hosted page handles the redirect to the issuer's authentication page or displays the challenge within the session.
This managed approach simplifies the implementation of complex authentication protocols for the merchant, as the logic is maintained by the provider.
Can I use my own domain for the hosted checkout page?
Some providers offer a custom domain feature, allowing the hosted page to reside at a subdomain like payments. yourdomain.
com. This requires specific DNS configurations and SSL certificate management.
While this can improve user trust by keeping the domain consistent, many merchants find that a standard provider-hosted URL is sufficient given the clear branding available on the page itself.
Prêt à accélérer ?
Parlez-nous de votre activité. Nous vous mettrons en relation avec les bons partenaires acquéreurs et la bonne route, généralement en moins d'une semaine.