An e-commerce payment system must let the intended customer complete a transaction while giving the merchant reliable payment and settlement records. The right integration depends on the markets, currencies and purchasing methods involved.
Compare actual fees, supported methods, settlement timing and failure handling. Review the checkout experience, refund process and transaction reconciliation. Define how payment notifications affect order status so an incomplete payment is not treated as a paid order.
Test declines, timeouts, duplicate notifications and refunds before release. Monitor completion and reconciliation exceptions after launch. Review security and applicable payment requirements with the provider for the specific integration.
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