Online payment integration

Online payment integration gives ecommerce platforms a new life, allowing them to accept payments and complete orders without issues related to cash handling.

Astudio company can integrate any desired Armenian or international payment system or wallet when developing ecommerce websites, online stores or other projects.

1. Online payment methods of Armenian banks
2. Wallets: Idram, Telcell, First Shift, EasyPay
3. Aggregators: ЮMoney, Яндекс Pay, Robokassa, SberPay
4. International payment methods: Stripe, PayPal, Braintree.

What problems does payment integration solve?

Payment integration in an e-commerce platform allows customers to make secure, fast, and convenient payments using a bank card or a virtual wallet.

These systems comply with international security standards and meet PCI DSS (Payment Card Industry Data Security Standard) requirements. In other words, when a customer makes a payment through the payment gateway page, their data is fully protected from site-related breaches or any fraudulent activity.

Payment system integrations provide:

1. Choice of payment method on the checkout page
2. Secure transmission of card data
3. Automatic approval or rejection of transactions
4. Increased sales and customer trust
5. Enablement of remote commerce.

Bank VPOS Integrations

VPOS (Virtual POS) is an online payment solution provided by a bank, allowing an e-commerce platform or online store to accept Visa, Mastercard, Arca, AMEX, and other card payments. 

It is the digital equivalent of a physical payment terminal. When a customer selects a product and clicks the payment button, they are redirected to the Arca or another payment system page, where they enter their card details. The bank verifies and validates the data, then approves or declines the transaction.

Data exchange with the website occurs in a secure environment using a time-limited token. The website sends the bank the order number, total amount, and other standard details, and receives the payment status in return.

What components does VPOS integration include:

• API integration (REST, SOAP, or bank-provided SDK)
• 3D security support
• Checkout form development
• Security
• Tokenization
• Fraud risk detection and assessment.

Integration of Armenian wallets

Integrating Armenian digital wallets into e-commerce platforms allows accepting payments from Idram, TelCell Wallet, MobiDram, EasyPay, and other local wallets without entering card details.

Wallet integration offers a fast, convenient, and efficient payment option, as customers can complete payments with just a few taps in a familiar and trusted environment. Businesses benefit from a simplified payment process, fewer interrupted transactions, and access to users who prefer to pay via wallets or payment terminals.

With this solution, we get:

1. Fast payments
2. Higher purchase conversion rates
3. More convenient mobile experience entirely within the app
4. Secure data storage system.

When discussing electronic wallets and payments, it is also important to mention payment link transactions. This allows the seller to create a personalized payment link and send it to the buyer via SMS, email, Messenger, or social networks. 

The buyer opens the link, enters payment details, and completes the transaction quickly without visiting a website or registering.

International Payment Methods

Integrating international payment methods into e-commerce platforms allows accepting financial transactions from anywhere in the world via solutions like PayPal, Stripe, Apple Pay, Google Pay, and others. These integrations provide high trust, speed, and accessibility for both local and international buyers.

Using global payment infrastructures reduces limitations, expands the sales geography, and improves the user experience across different markets, while ensuring reliable security and support.