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5 Additional Payment Integration Questions to Ask Developers

Blog Post created by lsolheim on Apr 16, 2019

In part one of this two-part series, we highlighted five critical payment integration questions for the development team.

 

These questions looked at data security, integration capability, the ability to scale and access to support. Answers from the development team provide a way to plan and work with a payment solution provider. There are more questions to consider for your payment integration.

 

five additional questions to ask developers

 

Let’s look at five more critical questions to ask the development team:

 

1) Does the payment integration technology provider have a testing platform?

Worldpay has a developer sandbox that serves as a secure testing platform for card payments, a wide range of currencies and alternative payment options.

 

The sandbox offers simulators so developers can create mock retail orders to test every aspect of the payment lifecycle -- from payment submission to authorization and capture to settlement or refund.

 

During the testing process, developers can include various payment parameters like payment outcome. Throughout the simulations, developers can also gauge shopper payment flow. Knowing how to address different shopper volume levels can help the company design a payment processing system that delivers an enhanced customer experience.

 

Developers can also use magic values in Worldpay’s sandbox. These values represent specific payment parameters added to an XML order. Using one or more of these magic values accelerates the testing process.

 

2) How do Worldpay’s features and benefits compare to payment industry competitors?

From helping small businesses to enterprises, Worldpay’s payment solution is a comprehensive product suite. Depending on the complexity of your business, the development team has the possibility to implement a wide range of features to realize significant benefits. 

 

Worldpay enables smarter, faster, and easier payment processing with alternative payment methods, cross-border payments, gateway services, fraud and risk management, omni-channel, treasury services, and more. 

 

For small businesses, including pop-up shops and kiosk businesses, there are many features to help the connected consumer buy anytime, anywhere. Payment acceptance options include terminals and POS systems, mobile payments, credit cards, gift cards, and prepaid cards.

 

Enterprises share some of the same needs as small businesses, but they also have other requirements that Worldpay understands. These advantages offer frictionless, on-demand payments for in-store and online environments across all card types.

 

Beyond delivering a full feature set for all types of businesses, Worldpay ensures a secure payment environment. Working as both a gateway and acquirer means we own and operate the entire payment journey. Data is not lost during any touchpoint due to the greater level of control. Proprietary in-house fraud tools bolster payment and data security.

 

3) Why do some payment integration processes take longer than others? Which features take the longest to integrate?

Security compliance complexity impacts payment integration timing. The degree of customization a company needs may also affect the process.

 

Developers can provide guidance on delays to better inform the team on payment integration progress. They can test available fraud protection and screening tools.

 

To gain some momentum, developers can leverage Worldpay’s range of APIs for every business type. For example, JSON API is our newest offering and includes a combination of rich payment features and alternative payment options.

 

XML API is a comprehensive API designed for global enterprises that seek advanced card payment features, alternative payment options and enhanced functionality and granular control. Small business can use HTML API to enjoy hosted payment pages. In each case, these payment integration APIs can improve the timeline.

 

4) Are mobile wallet capabilities worth adding to our payment integration platform?

Mobile wallets usage in the U.S. has surpassed debit cards by seven percent in 2017. This payment method will become the top payment choice by 2021, according to research.

 

Many companies have struggled to decide whether they should integrate this feature in their payment processing. With research pointing to growing mobile wallet market share in the U.S., your company may want to include this payment option now or in the future.

 

In tracking these payment trend changes, Worldpay provides a fast, effective way for developers to add mobile wallets to the payment processing environment.

 

5) How can our company prepare for alternative payment methods, such as voice payments?

A company should evaluate what’s driving trends in alternative payment methods like voice payments, assess adoption rates and understand the consumer’s point-of-view.

 

Interest in this alternative payment method has grown as more consumers and businesses have started using voice-driven digital assistants like Alexa and Google Home. As users become more accustomed to relying on these digital assistants, the devices will need more digital banking integration solutions to handle voice-driven payments.

 

A BI Intelligence research report stated that 18 million US consumers have already made a voice payment. Millions more stated that they plan to try voice payments soon or want to learn more about how they work. By 2022, this figure will grow because of technology and security improvements.

 

In the discussion between you and your development team, ask developers to be aware of these types of trends as well as explore the technical components of emerging alternative payments methods. When the company is ready to implement this type of payment acceptance method, the development team is more prepared.

 

Check out what some of our own innovators have done with voice payments and see their code.

 

Time to Talk

Although there is a lot to think about, it’s time to talk with the Worldpay integration team, ask these payment integration questions and discuss the available solutions. Contact Worldpay to discover the best payment integration framework for your company and improve how you work with merchants and shoppers.

 

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