託管結帳
Cardflo 的託管結帳為您的客戶提供安全且可定制的支付體驗。 此解決方案減輕了 PCI 合規負擔，同時保持了品牌一致性。
它無縫整合到您現有的網站中，提供一種可靠高效的方式來處理跨多種支付方式和收單機構的交易。
- 類別
- 結帳
- 功能數
- 10
- 適用於
- 所有方案
概覽
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.
運作方式
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.
為何重要
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.
應用案例
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.
數據概覽
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.
相關術語
Talk to our team about a live rollout on your acquiring stack.
What you get with 託管結帳
- 透過可定制的託管結帳頁面保持品牌一致性。
- 透過卸載敏感數據處理來減少 PCI 合規範圍。
- 支援廣泛的支付方式和替代支付方式。
- 受益於用於欺詐預防的整合 3D Secure 優化。
- 確保移動響應能力，以在所有設備上提供一致的用戶體驗。
- 透過簡單的嵌入代碼或 API 調用輕鬆整合。
- 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 託管結帳
Cardflo 的託管結帳如何幫助 PCI 合規？
我們的託管結帳在 Cardflo 的安全伺服器上處理敏感的持卡人數據。 這顯著減少了您的 PCI 合規範圍，因為您沒有直接存儲或傳輸卡詳細信息，簡化了您的認證流程並降低了風險。
我可以定制託管結帳頁面的外觀嗎？
是的，Cardflo 的託管結帳完全可定制，以符合您的品牌美學。 您可以調整顏色、字體、徽標和佈局，以確保從您的網站到支付頁面的無縫過渡，維護客戶信任和品牌形象。
託管結帳支援哪些支付方式？
Cardflo 的託管結帳支援所有主要信用卡和借記卡，以及不斷增長的替代支付方式 (APM) 選擇。 這種靈活性使您能夠迎合全球不同客戶的偏好，提高轉換率。
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.