Experiență de plată integrată
Checkout-ul integrat Cardflo integrează fără probleme procesarea plăților direct în site-ul sau aplicația dumneavoastră. Această soluție oferă un formular de plată securizat, conform PCI, care apare în pagina dvs.
existentă, eliminând redirecționările și menținând o experiență de utilizator consecventă. Este conceput pentru comercianții care caută o integrare simplă, fără a sacrifica controlul sau prezența mărcii.
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Prezentarea generală
Embedded checkout functions as a client-side integration method where payment input fields are hosted by the Service Provider (PSP) but rendered within the merchant's existing web architecture.
Unlike hosted payment pages that require a browser redirect to an external domain, this model utilises iFrames or hosted fields to maintain the user's presence on the primary site.
The data flow ensures that sensitive Primary Account Number (PAN) data never touches the merchant's server, as the input fields communicate directly with the acquirer's gateway.
This mechanism significantly reduces the scope of PCI-DSS compliance, typically allowing merchants to qualify for the simpler SAQ A or SAQ A-EP assessments.
By retaining control over the DOM around the secure fields, businesses can manage the visual layout and user journey while delegating the cryptographic security and tokenisation processes to the infrastructure layer of the payment stack.
This approach balances branding requirements with robust risk management and technical security.
Cum funcționează
Client-side Script Initialisation
The integration begins by loading a JavaScript library from the payment provider onto the merchant's checkout page.
This script creates secure containers within specific DIV elements, ensuring that the critical payment inputs remain isolated from the rest of the page's code to prevent cross-site scripting vulnerabilities or data interference.
Secure Field Rendering
The provider renders individual iFrames for the card number, expiry date, and CVV. These fields are hosted on a PCI-compliant environment but appear as part of the merchant's form.
This separation ensures that the merchant handles only non-sensitive metadata, while the actual cardholder data is transmitted directly to the gateway.
Tokenisation and Validation
When the customer enters their details, the system performs real-time validation for LUHN checks and BIN identification. Upon submission, the sensitive data is exchanged for a secure vault token.
This token represents the payment instrument and is the only credential passed to the merchant's backend for the authorisation request.
Transaction Authorisation
The merchant sends the token to their server, which then initiates an authorisation call to the acquirer. The acquirer forwards this to the card schemes and the issuer.
The issuer returns a response, such as an approval or a decline code, which the merchant then displays to the user.
De ce contează
Conversion Rate Optimisation
Redirects often introduce friction and latency, which are primary drivers of basket abandonment. By keeping the customer within the merchant's domain throughout the entire transaction, the payment process feels like a continuous part of the user journey.
This consistency helps maintain trust, particularly during high-value transactions where a sudden change in URL might cause users to suspect a phishing attempt or a technical fault.
Security and Compliance Burden
Managing raw card data requires extensive security protocols and rigorous yearly audits under PCI-DSS Level 1 criteria. An embedded model bypasses these requirements by ensuring the merchant server never sees, processes, or stores sensitive PAN data.
This shift reduces the operational overhead and liability associated with data breaches, as the security burden is transferred to the service provider whose systems are purpose-built for data protection.
Cazuri de utilizare
SaaS Platform Subscriptions
Software providers use embedded fields to collect payment details during account setup. This allows them to capture a payment method and store it as a network token for recurring billing without disrupting the onboarding flow or introducing external site redirects.
High-Volume E-commerce Sites
Retailers with high traffic levels use embedded checkouts to maintain brand integrity and minimise the steps to completion. This is particularly effective for mobile commerce, where redirecting between apps and browsers can lead to session timeouts or loading errors.
Enterprise Marketplaces
Marketplaces involving multiple vendors use embedded fields to standardise the payment experience across their platform. This ensures that regardless of the specific vendor, the payment infrastructure remains secure and consistent, facilitating complex split-settlement workflows at the backend.
În cifre
Industry research suggests that removing redirects can lead to a significant decrease in cart abandonment, as customers are less likely to encounter technical friction or trust issues during the payment phase.
Using hosted fields can reduce the number of security controls a merchant must audit annually by a substantial margin compared to handling raw card data, according to standard PCI-DSS assessment benchmarks.
Optimised embedded fields that trigger native keyboards and provide real-time validation typically facilitate faster completion times for mobile users compared to traditional non-responsive form layouts.
Termeni asociați
Talk to our team about a live rollout on your acquiring stack.
What you get with Experiență de plată integrată
- Câmpuri de plată securizate, conforme PCI, integrate direct pe site-ul dvs.
- Fără redirecționări, păstrând clienții pe domeniul dvs. pe tot parcursul procesului de plată.
- Stilizare personalizabilă pentru a se potrivi esteticii mărcii dvs.
- Efort de dezvoltare redus în comparație cu personalizarea completă.
- Optimizat pentru responsivitate pe mobil și desktop.
- Încredere sporită a clienților prin menținerea unei interfețe de utilizator consecvente.
- Support for 3-D Secure authentication directly within the embedded flow for SCA compliance.
- Automatic BIN detection to identify card type and apply relevant processing logic immediately.
- Compatibility with modern JavaScript frameworks including React, Vue, and Angular for structured integration.
- Localised language support for checkout fields to cater to a global customer base.
A short scoping call, then a written plan for your MIDs.
Questions about Experiență de plată integrată
Care este diferența dintre checkout-ul integrat și cel personalizat?
Checkout-ul integrat oferă câmpuri de plată pre-construite, securizate, pe care le puteți stiliza și plasa pe site-ul dvs. Checkout-ul personalizat oferă control complet asupra fiecărui element al formularului și fluxului de plată, necesitând mai multă dezvoltare.
Cel integrat este mai rapid de implementat, în timp ce cel personalizat oferă flexibilitate maximă pentru nevoi specifice.
Este checkout-ul integrat conform PCI?
Da, checkout-ul integrat Cardflo este proiectat pentru a fi conform PCI. Datele sensibile ale cardului sunt gestionate direct de infrastructura securizată a Cardflo, reducând sarcina dvs.
PCI. Comercianții care integrează soluția integrată pot obține conformitatea mai ușor în comparație cu gestionarea directă a datelor brute ale cardului.
Pot utiliza în continuare rutarea inteligentă și recuperarea refuzurilor cu checkout-ul integrat?
Da, funcțiile principale de orchestrare ale Cardflo, cum ar fi rutarea inteligentă, recuperarea refuzurilor și optimizarea 3DS, funcționează fără probleme în fundal cu checkout-ul integrat.
Soluția integrată gestionează capturarea plăților front-end, în timp ce platforma noastră gestionează logica de procesare a tranzacțiilor pentru a maximiza ratele de aprobare.
What happens if a customer’s card requires 3-D Secure authentication?
When 3-D Secure is required for Strong Customer Authentication (SCA), the embedded library will typically trigger a modal or an overlay. The customer completes the challenge within this window, and once authorised, the focus returns to the merchant's checkout page.
This process happens without a full page redirect, maintaining the session and reducing the risk of the customer closing the tab during the authentication process.
Is the embedded checkout optimised for mobile devices?
Industry-standard embedded checkout components are designed to be responsive. They utilise media queries to adjust the size and layout of input fields based on the device's screen dimensions.
Furthermore, they are configured to trigger the correct numeric keypads on mobile operating systems, which improves the speed and accuracy of data entry for the customer, leading to higher completion rates on handheld devices.
Does the embedded checkout support alternative payment methods like digital wallets?
Embedded checkouts can often be configured to display digital wallet buttons, such as Apple Pay or Google Pay, alongside traditional card inputs. These methods often bypass the card entry fields entirely, using the wallet's stored credentials to authorise the transaction via a secure token.
This multi-modal approach ensures that the checkout remains flexible for various consumer preferences while maintaining a singular integration point.
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