Considerations when choosing a gateway integration
Considerations when choosing a gateway integration
Many ISVs use an HTML iframe option, where the cardholders may not even know that they're visiting an entirely separate secure page where the card data is entered. The process is a secure and seamless user experience.
What's the right payment API for developers?
When coding a payment solution, choosing the right payment API to help with your payment processing should never be taken lightly. As developers, whether it's a payment integration for eCommerce, point-of-sale, mobile, Enterprise, or any combination, let's define what is a payment API.
Most payment applications (APIs) are transactional and involve sending and retrieving messages to and from remote systems across dedicated links or IP networks. Payment API processes can include authorizing a payment, setting up a subscription, or initiating a bank transfer from a mobile app--to name a few of the common requests.
That's a hefty definition that comes with a stark reality for development teams. On average, a comprehensive payment integration can take more than 6-months! Here's why.
Businesses demand a simple payment solution that can manage a variety of powerful capabilities and value-added features including analytics, account updating and reporting functionalities. That's where a robust API is critical, allowing for the touch points between complex applications and financial business processes that grow each year as new trends and features become available to better serve the growing payment needs of your clients. The process of managing, testing and certifying payment integrations take time.
So now that we've defined an API, let's dive into what type of API will you need for your merchant processing development project.
What are the types of APIs for payment developers?
When it comes to payments there are numerous APIs, but most fall into one of the categories described in Payment APIs Demystified - Five Common Types.
Once you master the mechanics of coding to an API in one of the standards listed below, the other APIs in the same family become more readily available to integrate into your payments development. Because most payment transactions are message-oriented, protocols play a huge role in payment processing.
In short, an understanding of the five types of APIs common in payment applications will move developers down the path to choosing the best payment API for coding payment processing and take you to the beginning of your payments journey.
How to start with your Payment API Integration
Now that you've selected an API for your business needs, it's time to get coding. So here are the typical processes developers need to follow to test and certify an integration. (We'll use the Express Certification Overview as an example to explain these steps)
For help in choosing the right payment API
There's a lot to consider. Everything from PCI Compliance, tokenization, fraud protection, global support for multiple currencies, sandbox functionalities and what SDKs are available in multiple coding languages (including Java, .NET, PHP, Node.js, and C++).
Plus you'll want the best team of payments experts ready to assist in your integration--since the sooner you complete a payment integration, the sooner you can start processing payments!
Are you ready? Choosing the right payment API for payment processing is as simple as reaching out to our Worldpay team of API experts that are continually updating our documentation.
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Create an account in our Developer Hub and get the latest news and payment integration tools, plus links to kick-start your payment integration. Let's get started!
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We talked recently with Matt Given, CEO of Intelivideo, a Video On Demand platform, specializing in helping companies sell their videos online. Matt is a contributor to Inc.com and shared a story in the video below about a developer in his startup that "crushed it" when mingling with upper management at a business event.
You can read Matt's entire Inc.com article, here.
Be sure to speak for the audience – not for yourself – when providing an explanation about your company. Your description should be 100% clear to them and relatable to their situation. An audience with deep experience in your industry may understand your acronyms, but someone from a different vertical market will need more fundamental information. About 30 seconds into your explanation, I recommend asking a question like, “How does what we do fit into your world?” to gauge how well you’re connecting. “One-size-fits all” works for socks and hospital gowns, but not for your elevator pitch.
If your company is lacking in the above list, here is a fun list of some unique employee engagement tactics. Let us know what you think.
We'd like to hear about your unique situation where you "crushed-it" in telling the story of your company. Leave a comment or some sage words of advice below.
To the general public, the buzz around blockchain is focused primarily on the skyrocketing rise in Bitcoin prices and the growing market value of other cryptocurrencies like Ethereum, Litecoin, and Ripple. For developers though, blockchain is a "Crouching Tiger" in Enterprise business and it's set to pounce to the forefront of many business processes we touch on a daily basis.
We caught up with Josh Mather, Sr. Solutions Consultant at Vantiv, Now Worldpay (jmather) and he had some revealing insights for where developers will find a healthy focus on adoption into Enterprise business. His message: If blockchain has not found its way into your coding sprint, get ready because it's coming soon to a standup near you.
Q: Josh, what are your biggest takeaways around blockchain for 2018?
Firstly, we're starting to see the regular adoption of the technology in enterprise organizations. There are things like the IBM Hyperledger coming in to manage particular networks between different supply-chain ecosystems. Secondly, don't panic. Developers do not necessarily need blockchain programming experience to succeed in the future. But try to understand what does a completely decentralized global system look like and how can you tackle that from a developers' perspective? Ask yourself what little piece can you start at and work on? The past year was a period where blockchain became a buzzword. In 2018, I see a lot of core pieces of infrastructure being built around blockchain right now and this will filter out over the next few years where we'll then see the application layers get built-out as companies have more use-cases for blockchain technology.
Infographic download link at bottom of article
Q: Even for developers, there's still a lot of confusion around how blockchain development will find it's way into Enterprise business. Can you give us an example of how blockchain will change Supply Chain Management?
Blockchain in supply chains provides a new traceability system for material and product traceability. The blockchain gives unchangeable visibility that can be audited and remain secure through a supply chains lifecycle and beyond. It allows anyone to track the provenance of anything. Just look at the infographic below to see how the relationship between the farmer, the food manufacturer and you, the consumer, can benefit from blockchain technology to trace food production, assist in the tracking of the manufacturing and processing, provide better management of food safety and finally aid in the transportation of food to the consumer. There are efficiencies all along the supply chain lifecycle.
The term "Farm to Fork" could be the new blockchain managed ecosystem for food retailers to manage food safety while offering the potential for better management and increased profits.
Infographic download link at bottom of article
Other Enterprise Industries Using blockchain Applications.
Q: Josh, where do you see blockchain making its way into the payments industry? You mentioned some interesting news from Coinbase. For those unfamiliar, Coinbase is one of the largest cryptocurrency exchanges.
This is called, Coinbase Commerce and it allows you to exchange cryptocurrency as a form of payment in a global fashion through an easy integration with the exchange. They have one of the most well-known eCommerce platforms, Shopify, already integrated into the system.
Coinbase is expanding their merchant services. They are offering a way to do an integration through Coinbase for the exchange of goods for a merchant. Much like Vantiv Now Worldpay does transactions in fiat currency, now Coinbase is taking that model and getting it out to developers to build a crypto payment model much like PayPal.
"We're going to find that is a very big moment in the crypto world. It's the largest exchange in the world and they are getting into the payments industry" From a developers perspective, they're thinking "WOW I can write code for a crypto payment"
Q: How can developers get started in blockchain?
For developers in payments, you need to ask yourself what is the mechanism to bring blockchain into your enterprise? Is it a KYC / AML component? Perhaps your focus should be looking into identities where the Know Your Customer and Anti Money Laundering components can be improved. There are blockchain projects that bring that to the table and ways for a customer to identify themselves on the blockchain. There's also been some blockchain work around remittances and cross-border payments with Stellar and Ripple where Ripple is going down the traditional banking route and Stellar is going down the partnership route model to facilitate these transactions across borders.
Blockchain development is growing at a rapid pace. At the end of 2017, the job market had grown nearly 200% and it is rated as one of the top 20 fastest-growing job skills. That said, it can be tough to gain experience with this new technology. One way is to roll up your sleeves and contribute to an open source project. Many welcome the help and cherry pick the most passionate contributors.
We also spoke with Andrew Harris (andrew.harris) about how developers can start a thriving coding group at your business.
Q: Andrew, what words of wisdom can you pass along to developers looking to start coding in blockchain with an active peer group?
Sometimes the hardest part of doing “cool stuff” in the office (on your own time mind you) is finding that early morning, late evening, or lunch-hour time to commit to learning something new.
Luckily developers are perpetual learners and avid problem solvers. However, not all developers enjoy spending their personal time in group learning environments and the web is full of excellent resources for those of us that would rather read on our own about blockchain and step through various tutorials and walkthroughs around blockchain, bitcoin, and decentralization.
One of my colleagues was interested in teaming up and once we would each digitally drag a late morning user story from "in progress" to "done" status, we would then occupy a conference room over our lunch hour and read and explore blockchain through our combined brainpower. After a few sessions, we would start writing code and put the theories to practice. I know for me, applying something practically helps it soak in. Soon others were curious what we were doing.
If you are interested in starting your own grassroots "lunch-n-codes" session in your office just ask around and I bet you will find teammates open to the idea. Surely there are others with similar interest in tech, right? Be prepared to barter as well. If you want to spend group time working on a machine learning application using python and various frameworks then be open to working with your peers on something they might be interested in as well, such as blockchain, altcoins, or decentralized ledgers. You will be surprised how easily you can get a group interested in these types of lunch and code events.
One last bit of advice, don’t make it rigid, truly keep it agile. If someone wants to talk about their weekend for half of the time it is okay. Developing personal connections are not a bad thing.
Why do it? At the end of the day, you are adding to your skill set and more importantly can charm your friends with words like ripple, crypto, fat protocols, and my favorite: hash.
If you're interested in learning more about blockchain, check out the following articles on blockchain technology.
As a Project/Program Manager during the growth stages of my subscription video startup--I often struggled with managing developers. I've fallen victim to many of these transgressions, often feeling a palatable sigh of exasperation during stand-up meetings. (Quick disclaimer--I've never done #2)
I've been that manager. Here are a few pitfalls to avoid when working with any developer team. Happy coders make for awesome code!
1) Avoid interrupting your developer teams:
Dude (I'm saying this to the earlier version of me)--there's a reason the developers wear headphones--it's to block out the distractions. And yeah, it looks cool, but they don't like their music any more that you like yours. They just need space. Here's a game changer to think about before you interrupt your developer team. Studies show that it takes approximately 25 minutes for developers to get re-focused after a coding interruption. So the next time you think about breaking their flow--consider that you're killing a half hour of production. Ouch!
2) Never ask a freelancer to work for free:
Never ask someone to use their hard-earned skills for free to make money for you. Like, never ever. And no, the opportunity for “exposure” or “portfolio additions” is often not worth the headache. Check out this facepalm-ending exchange from Clients from Hell.
3) Don’t expect your developer to work themselves to death to meet deadlines you also can’t meet:
If your project is dependent on images, copy, and resources that need to be created and sent to the developer, make sure those deliverables actually, you know, get to the developer on time. Otherwise, you’re looking at missed deadlines and it won’t be their fault. It’ll be yours. Check out a real world example of this in Jesie Castro’s Last Minute Luke entry on the TrackDuck blog.
4) Keep the meetings to a minimum:
When it comes to meetings. Have an agenda, have a goal and have a timer. If you can communicate via email--do it. According to Scrum.com, they have a suggested breakdown of what the monthly sprint should look like in an agile environment. Daily scrum meetings--15 minutes max. They also suggest the following.
5) Stop adding to the Feature Creep:
It's alive and growing at a rapid pace! Stop adding more features into the software development queue. Take a myopic look at your feature set and take a clue from an old developer axiom called--the Unix philosophy. Simply stated, just do one thing really well. The Unix philosophy emphasizes building simple, short, clear, modular, and extensible code that can be easily maintained and re-purposed by developers other than its creators.
6) Your site has 99 problems and lack of back-ups and source control is 98 of them:
Does your site code live in 3-5 different places? Do you not remember where the most recent site back-up files are stored? French chefs use mise en place to make meal prep easy and orderly. Give the same courtesy to your developers. Make sure you’ve consolidated and centralized what code you have, and have reliable back-ups stored away just in case something goes awry. Just read this horror story by Dan Pratt on what happens when disorder leads to chaos.
7) Bad Code - Stop spreading the madness:
If you're handing over code from one developer to another, understand that each developer writes code in their own style. Have your original developer document, document, document. And abide by this mantra--"Always code as if the person who ends up maintaining your code is a violent psychopath who knows how to find you." Check out this story of a 9-page WordPress site that had over 900-thousand files on it due to a weird directory structure.
8) Time Trackers - Big Brother is not welcome here:
Tick Tock, Tick Tock. Asking your Dev Teams to track their time on various projects could cause an outcry for revolution from the tyranny of Big Bother. So skip the Orwellian developer landscape, stop lurking over their shoulders and break this coding flow killer.
But if you have to initiate time tracking, beware of these perils.
What are some of your best Dev Horror stories? We'd love to hear them in the comments below.
Get off the freelance hamster wheel.
Being a freelance developer is a bit like sprinting on a hamster wheel. Like most freelancers, you live for the autonomy of choosing your clients, working an 'all-nighter' (okay, maybe not that) or having the freedom of making your laptop be your office. Your desk can be the beach, the couch or the local coffee joint.
Sounds idyllic, but for most freelancers that hamster wheel never stops once you jump on. Which begs the question, "Why did I get into freelancing in the first place if all I'm ever doing is worrying about where the next job comes from?"
According to the Freelancers Union "53 Million" Report there are some interesting stats regarding the freelance industry:
We talked with Jason Resnick, a freelance developer for over 20 years about his journey from the freelance hamster wheel to living in the 'Feast.' Jason has developed an online learning program specifically geared for freelance developers and designers to help them find and keep continued recurring revenue. His Feast program includes videos, downloads, templates and business development best practices for all factors in the freelance business and sales cycle. But the free, 'Getting Clients' 5-part, email course walks you through a tutorial on leveraging Twitter and Craigslist.
Why did you build the 'Feast' training series for developers?
The Feast program is about building your business as a developer, designer and freelancer in general. You don't work to live, but when you are a freelancer oftentimes you quit one job to leave one boss and you then get 20 bosses. Feast is about defining your solution to your clients problems and building a business around that so that you have a proper sustainable business that can support your ultimate goal of why you became a freelancer in the first place.
Tell us about your free email campaign for visitors that specifically leverages Twitter and Craigslist.
This is my free, 'Getting Clients' 5-part, email course that details the exact process I put in place myself when I started freelancing to get clients." Social interactions are not my strength, so I looked at myself as a developer and looked for ways to jump ahead of the line to get those opportunities to my phone and desk as soon as they get posted online. The free, multi-part email course details a way to set up lead-gen channels on Twitter and Craigslist using a few free tools to get delivered the kinds of jobs that you want. And since being first is often critical, these tips can bring you to the top of the list.
Click here to sign up for the Getting Clients email series and get all his detailed videos for leveraging IFTTT with Twitter and Craigslist. After signing up for free, Jason's video does a great job of walking you through the entire process, but here's a brief outline of what you'll learn there.
Twitter hack: Finding prospects that need help with overflow work.
You describe Twitter as a 'firehose of information." How can developers leverage it to get new clients?
Twitter is my home away from home. I built my business using Twitter. It's search tool is very powerful. Just like Google. So learning the nuances and jumping into the cocktail party that is the Twitter firehose is important. You need to get in there and engage. Tweets lasts 8 seconds, and you want to be the first to respond.
Craigslist hack: Automate job searches and notifications for multiple locations.
Jason's video on using automation tools gives you a visual breakdown of the entire process, but this is a brief outline of what you'll learn there.
Developers view Craigslist as a source of "bottom-feeder" jobs, but what's your message for pundits?
Craigslist is usually the wasteland for jobs, but I've got jobs from major corporations that posted on Craigslist. Oftentimes they'll take the first few respondents and then they'll remove their ad. My video walks you through use of another free tool to send you alerts when a job posting happens on Craigslist. The other opportunity is that Craigslist is very local orientated. So if you're not in the same town as a job posting, it's a way to have that digital face-to-face with a large corporation. The automation that I detail takes away the need to always hit refresh. You just set up the search and it pings you when a hit happens.
But there's more to it than engaging in the right manner on social media. What else do you need for success?
Tuesday night is my lead-gen night. There has to be some accountability to go through all my alerts and review them and reply back with an email I had already crafted. It's virtually the same paragraph formula but for a sentence or two crafted to the specific job. You need the accountability to set the time aside to reach out and then more importantly to follow-up. A lot of companies find freelancers flaky, so follow-up. To be able to have some professionalism through the sales process, here's the outreach and then here's the follow-up, that's a level of professionalism that they're not always expecting.
What can others take away from signing up for your email program?
I've had major brands come through Craigslist. And I still use Twitter on a daily basis to network and jump into conversations. I've made my business off of what you can learn in this Getting Clients email series--we would not be having this conversation around my six module "Feast" training program were it not for me setting up these social media tools to automate some lead generation tasks.
Our next conversation with Jason covers the first three modules in his online series. Topics covered include setting a framework for your freelance business, discovering your unique pitch, positioning your business, organization, learning how to podcast, lead generation and setting up support and payment tools.
Click here to sign up for the Getting Clients email series. Jason walks you through the entire process of using Twitter, Craigslist and IFTTT (If This Then That) to automate your social media freelance search process. Let us know in the comments below what your key takeaway was after going through the program.
Reaching peak performance (or DevFlow) as a developer is not about working yourself or your team raw, it’s about having an awareness in your work. Flow is great when you have it, but oftentimes hard to replicate. So here's a hit list of six surprising and easy hacks that should be in every developers toolkit for hitting maximum DevFlow.
1) Do not commit to impossible tasks.
This can lead to mental clutter and disables focus. Multi-tasking is a lie. While computers can switch context with ease, human brains just aren’t wired like that. According to a Forbes article on multitasking, the term first appeared in an IBM paper in 1965, referring to a computer's ability to process multiple tasks simultaneously. Focusing on more than one thing decreases productivity by 40% and lowers IQ by 10 points. Duh.
2) Try white noise headphones to lessen distractions
Ditching extraneous noise can speed the ramp up into flow. White noise draws and focuses your attention without disturbing your emotional quotient and improves concentration by preventing outside disturbances.
3) Put the phone away!
Turn off the ringer and put that "time suck" device out of view. The average smartphone user checks her device 221 times a day. Some people are so attached to notifications that they experience phantom cellphone vibration syndrome
(yup, it’s totally a thing.) Charge your phone in a drawer so you can’t see those candy-colored notifications pop up to distract you from the task at hand.
4) Collect your data before digging into the code
Searching for data during a coding session can kill the flow, so get your research together before the deep dive. This is just an organisational tip where having your data close at hand can lessen the need to search for the info while you are in the coding moment. It's about staying in a coding flow to write code, not searching for it.
5) Understand that flow is not always relaxing
For a change of pace, increase focus by trying to code at a stand up desk. According to a Washington Post article, stand up desks were attributed to a 53% increase in work outcome and productivity over the course of six months. Employees who worked at stand-capable desk sat down on average 1.6 hours less than those at a sitting desk.
6) Allow your brain some buffer time
It often takes 10-15 minutes to get into the Flow, so starting and stopping coding sessions for meetings crushes any semblance of flow. So when you’re blocking out your productive flow time, make sure to add buffer cushions around meetings to give you time to download your notes and follow up on deliverables before moving on. The next time you get a meeting invite, schedule 15 minute blocks of buffering time around it, in order to prepare, switch tasks, and get in gear again for the next coding push.
If you can recognize productivity killers and can be open to some quick hacks--You have a greater chance to reach and stay in a state of DevFlow.
So hack-away with these new tools and get in the flow!