A payment processor is a company (often a third party) appointed by a merchant to handle transactions from various channels such as credit cards and debit cards for merchant acquiring banks.
As ecommerce has become popular and been using around the world, it has become essential to launch payment processing services that accept payment from your web app.
It is vital that these services provide security for peace of mind of the customers who rely on the web app to make the purchases online.
In this article I have chosen 10 Useful Payment Processing Libraries for web apps, without these payment processing libraries we can’t even imagine ecommerce existence in our lives. Take a look at the list.
1. Omnipay
Omnipay is a payment processing library for PHP. It has been designed based on ideas from Active Merchant, plus experience implementing dozens of gateways for CI Merchant. It has a clear and consistent API, is fully unit tested, and even comes with an example application to get you started.
2. Cardinal Commerce
Cardinal Commerce was founded in 1999. Today, Cardinal has grown to become a global leader in enabling authenticated payments, secure transactions, as well as alternative payment brands. The company’s products are used globally in more than 200 countries as well as in more than 180 different currencies.
3. Authorize.net
It provides the complex infrastructure and security necessary to ensure fast, reliable and secure transmission of transaction data. Authorize.Net manages the routing of transactions just like a traditional credit card swipe machine you find in the physical retail world, however, Authorize.Net uses the Internet instead of a phone line. The Authorize.Net Payment Gateway is available 24/7 for processing transactions.
4. Fat Zebra
Fat Zebra was built as a simple way for merchants to accept credit card payments online while still maintaining a strong focus on security, reliability and great user experience. The company is a tier 1 PCI-DSS certified payment gateway. The company has cleared a related audit that covers 12 different requirements that covers physical security, storage as transmission of credit card data, data security, and others.
5. E-xact Transactions
E-xact transactions have been in operation since the past ten years, delivering merchant satisfaction via fast, protected transaction processing. The solutions they provide cover hosted checkout, software packages, recurring billing, and point of sale solutions.
6. WorldPay
WorldPay is one of the most popular and leading payment company, its products have been utilized by thousands of commercial companies around the world. WorldPay works with all types and sizes of businesses, making it easier for companies to take payments and helping them keep online and open for business. The company’s robust systems process millions of transactions per day and hundreds of simultaneous transactions a second. For smaller companies, it also helps them to scale up business when they grow and help them minimize the risk of fraud. WorldPay operates around the globe, by supporting 120 different currencies and more than 200 payment types.
7. Payum
Payum is a payment processing framework in PHP 5.3+. The framework covers Paypal, Stripe, Payex, Authorize.NET, Be2bill, Klarna, recurring payments, instant notifications and many more. PAyum.org is all about payments. Its vision is to provide the end solution by keeping a high level of customization. Payum,org is not only a handy tool for providing basic tasks such as capture or refund, but also for recurring payments or instant notifications as well.
8. Mecurypay
The Mercury Network provides a better, simpler POS experience for businesses and customers and gives merchants peace of mind knowing that in depth customer support is always available, 24/7. When you choose Mercury® you get much more than a credit card processor—you get a payment value chain focused on helping local merchants succeed and compete with big box brand names. With over 500 independent software vendors and 2,500 value added resellers in the Mercury Network, every merchant has access to a trusted local dealer to help them select, install, train, and update their POS system.
9. Realex Payments
Realex is one of the reputed online payment gateways in Europe and is also amongst the largest and fastest growing gateways. It provides a range of payment processing services for business that sell online. The company processes payments valued in excess of Euro 28 billion per annum of behalf of 12,500 retailers throughout the continent. Since its foundation in 2000, the company has experienced year on year growth and has established a strong reputation amongst the industry.
10. BridgePay
BridgePay Network Solutions, LLC (BridgePay) is a transaction gateway company specializing in providing turnkey payment application solutions. Utilizing industry leading data security technology and premium web-based solutions, BridgePay offers our merchants and partners a comprehensive suite of payment products to easily reduce the scope of PCI. BridgePay’s broad scope of products offers solutions for card present, mobile commerce and ecommerce environments. BridgePay’s broad network of processing partners offers connectivity to over 30 domestic and international processors, 5 ACH providers, and 16 gift and loyalty companies.
