Local payment planning before development
Confirm merchant eligibility
Banks and payment providers can require company documents, identification, business information, refund policies and fraud procedures. Start that conversation before setting the launch date.
Check settlement currency and account requirements
First Citizens currently publishes TTD settlement for its e-commerce gateway and requires a First Citizens account for collection. Other providers have their own settlement and account rules, so confirm them directly before integration.
Use the provider checkout flow
Hosted or tokenized payment flows reduce the amount of card data handled by the merchant website. Follow the processor and bank requirements for PCI DSS, 3-D Secure and checkout security.
Test the whole order lifecycle
Test approved payments, declines, abandoned checkouts, confirmation emails, order records, refunds and the staff process after payment. A successful card authorization is only one part of ecommerce.
