Services · E-Commerce
Online Payment Processing
Accepting credit cards through your online store is a necessity. To do so, you need two things: a merchant account to hold transaction funds, and a payment gateway to authorize and route payments securely from your checkout to your bank.
OYM configures and integrates payment processing as part of every e-commerce build — tested and PCI-compliant before a single live transaction goes through.
Merchant Accounts
A merchant account is a type of bank account that accepts and holds credit card transaction funds before they settle into your business account. These can be established through your bank or through a dedicated payment processor. Many modern gateways like Stripe bundle the merchant account and gateway into one service, simplifying setup considerably.
Stripe
The most developer-friendly and widely integrated payment platform. Handles credit cards, debit cards, Apple Pay, Google Pay, and more. Competitive rates, excellent WooCommerce integration, and a clean dashboard for managing transactions and payouts.
PayPal / Braintree
Widely trusted by online shoppers — many buyers feel more comfortable checking out with PayPal. Braintree (owned by PayPal) provides the same underlying infrastructure with more developer control and lower fees for higher-volume merchants.
Square
Excellent for businesses that sell both online and in person. Square unifies your in-store and online inventory, transactions, and reporting in one dashboard — a strong choice for retail businesses.
How a Payment Gateway Works
The gateway is the invisible layer connecting your checkout page to your bank. Here's what happens in the seconds between a customer clicking "Buy" and their order being confirmed:
Customer Enters Card Details
The customer enters their credit card information into a secure checkout page — encrypted in transit via SSL/TLS.
Anti-Fraud Checks
The payment gateway performs anti-fraud validation: card number, billing address verification (AVS), CVV check, and velocity checks to flag suspicious patterns.
Forwarded to Card Network
Card details are passed through the payment processor to the card association (Visa, Mastercard, Amex, Discover) for authorization.
Authorized or Declined
The card network checks the customer's available credit or funds and returns an authorization code. If authorized, funds are reserved to cover the transaction.
Merchant Notified — Order Confirmed
The result is returned to your store in seconds. The customer sees their confirmation; you see a new order.
Settlement
After goods ship, a capture request triggers final settlement — funds transfer from the customer's bank to your merchant account, typically within 1–2 business days.
Security & PCI Compliance
PCI DSS Compliance
All online stores OYM builds use hosted payment fields or redirect-based checkout — meaning sensitive card data never touches your server. This significantly reduces your PCI compliance burden and keeps customer data out of reach if your site is ever compromised.
SSL Certificates
Every OYM-hosted site includes a managed SSL certificate. The padlock in the browser bar isn't optional — it's a baseline trust signal that directly affects checkout conversion rates.
💡 Payment processing is configured, tested, and PCI-reviewed before any OYM store goes live. We handle the complexity — you handle the sales. See our full e-commerce services →
Ready to Accept Payments Online?
We configure and test your entire payment stack before go-live. Start with a free analysis of your current setup.