The process of the payment gateway can be divided into several stages:

1) The client buys some goods. In order to do this, he fills out a special form in which information on the purchase, its amount, comments on the payment is indicated. The completed form is sent to the payment gateway. The buyer is redirected to the page with information about the payment, which must be confirmed or, if necessary, abandoned;

2) Payment gateway sends the data to the bank that issued the card with which the purchase is paid. Before the client opens a page with the status of payment – successfully or not passed the payment process. The bank, in turn, gives a request to the banking payment system. Here we check the possibility of making a payment and send a response to the payment system;

3) In case of confirmation of the transaction, the goods are paid for, and money is withdrawn from the buyer’s card. The client is redirected to the payment result page. In fact, this whole process takes a few seconds or minutes (depending on the speed of the client’s Internet connection). But the seller gets his money in three days. Since huge amounts of money and personal information of a large number of people pass through the payment gateway, security is very important.

Therefore, all the traffic of payment systems passes through a secure HTTPS protocol. In addition, the IP address verification mechanism and the request signature are often used. These and other systems meet modern security requirements and guarantee complete protection of information.

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