{"id":4271,"date":"2026-06-28T16:25:00","date_gmt":"2026-06-28T10:55:00","guid":{"rendered":"https:\/\/cashfree.com\/blog\/?p=4271"},"modified":"2026-06-28T16:28:32","modified_gmt":"2026-06-28T10:58:32","slug":"integrated-payment-system","status":"publish","type":"post","link":"https:\/\/blogrevamp.cashfree.com\/integrated-payment-system\/","title":{"rendered":"Integrated Payment System: Meaning, Benefits and How to Choose"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a8f3bd9e0d7d\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #364250;color:#364250\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #364250;color:#364250\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a8f3bd9e0d7d\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blogrevamp.cashfree.com\/integrated-payment-system\/#What_is_an_Integrated_Payment_System\" >What is an Integrated Payment System?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blogrevamp.cashfree.com\/integrated-payment-system\/#Do_You_Need_an_Integrated_Payment_System\" >Do You Need an Integrated Payment System?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blogrevamp.cashfree.com\/integrated-payment-system\/#How_To_Choose_an_Integrated_Payment_System\" >How To Choose an Integrated Payment System?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/blogrevamp.cashfree.com\/integrated-payment-system\/#How_to_Integrate_Online_Payment_System_in_Website\" >How to Integrate Online Payment System in Website<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/blogrevamp.cashfree.com\/integrated-payment-system\/#Conclusion\" >Conclusion&nbsp;<\/a><\/li><\/ul><\/nav><\/div>\n\n<p class=\"has-text-align-center wp-block-paragraph\">An integrated payment system connects your payment gateway with your business software, such as an ERP, CRM, or accounting platform, to automate payment collection, reconciliation, and reporting. It eliminates manual work, reduces errors, improves payment visibility, and helps businesses manage transactions efficiently.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_an_Integrated_Payment_System\"><\/span>What is an Integrated Payment System?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">An integrated payment system is a payment solution that connects your payment gateway with your ERP, accounting software, CRM, or eCommerce platform. It allows businesses to accept payments while automatically recording and reconciling transactions in a single system.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Every successful payment is mapped to a unique order or payment ID and matched with the corresponding invoice. This eliminates the need to manually cross-check payments against business records, reducing operational effort and minimizing reconciliation errors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike standalone payment processing, an integrated payment system synchronizes payment data with your existing business applications in real time. As a result, finance and operations teams gain complete visibility into every transaction without relying on manual data entry.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most modern businesses choose integrated payment systems because they streamline payment operations, improve reporting accuracy, and simplify financial management.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">A Simple Example<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Imagine you go shopping at multiple stores throughout the day.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Without an integrated payment system<\/strong>, you save every receipt and later compare each one with your banking app to verify your spending. This process is manual, time-consuming, and prone to mistakes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>With an integrated payment system<\/strong>, your payment application automatically records every purchase, categorizes it, and matches it with the correct transaction. There&#8217;s no need to manually verify every receipt because everything is updated automatically.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Businesses work the same way. Instead of manually matching customer payments with invoices, an integrated payment system performs the reconciliation automatically.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Beyond saving time and effort, it reduces the chances of human error, improves payment tracking, and provides valuable payment analytics that help businesses make informed financial decisions.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/cashfree.com\/contact-sales?utm_source=blog&amp;utm_medium=integratedpaymentsystem_blog\" target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" width=\"770\" height=\"172\" data-attachment-id=\"4310\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/integrated-payment-system\/integratedpaymentsys-12\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-12.png?fit=5001%2C1117&amp;ssl=1\" data-orig-size=\"5001,1117\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"IntegratedPaymentSys-12\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-12.png?fit=770%2C172&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-12-1024x229.png?resize=770%2C172&#038;ssl=1\" alt=\"Integrated Payment System\" class=\"wp-image-4310\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-12.png?resize=1024%2C229&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-12.png?resize=300%2C67&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-12.png?resize=768%2C172&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-12.png?resize=1536%2C343&amp;ssl=1 1536w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-12.png?w=2310&amp;ssl=1 2310w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/a><\/figure>\n\n\n\n\n\n<h2 id=\"do-you-need-an-integrated-payment-system\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Do_You_Need_an_Integrated_Payment_System\"><\/span>Do You Need an Integrated Payment System?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Indian eCommerce market <a href=\"https:\/\/economictimes.indiatimes.com\/tech\/technology\/ecommerce-order-volumes-grow-a-whopping-37-in-2022\/articleshow\/96325022.cms?from=mdr\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">grew by 36.8% in 2022<\/a>. In fact, statistics project that the online retail market size will reach <a href=\"https:\/\/www.statista.com\/statistics\/792047\/india-e-commerce-market-size\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">350 Billion USD by 2030<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As more and more companies take the digital route, the demand for payment systems will grow. Naturally, easy <a href=\"https:\/\/www.cashfree.com\/blog\/real-time-reconciliation\/\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\">reconciliation<\/mark><\/strong> <\/a>of those payments is equally important. It helps companies maintain their cash flow and project their future growth.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On that note, let\u2019s have a look at some other advantages of integrated payment systems.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"770\" height=\"403\" data-attachment-id=\"4274\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/integrated-payment-system\/integratedpaymentsys-02\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-02.png?fit=5000%2C2618&amp;ssl=1\" data-orig-size=\"5000,2618\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"IntegratedPaymentSys-02\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-02.png?fit=770%2C403&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-02-1024x536.png?resize=770%2C403&#038;ssl=1\" alt=\"Integrated Payment System advantages\" class=\"wp-image-4274\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-02.png?resize=1024%2C536&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-02.png?resize=300%2C157&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-02.png?resize=768%2C402&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-02.png?resize=1536%2C804&amp;ssl=1 1536w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-02.png?w=2310&amp;ssl=1 2310w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<h3 id=\"comprehensive-reports-showing-the-full-picture\" class=\"wp-block-heading\">Comprehensive Reports- Showing The Full Picture<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Not all payments are successful.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A pending order can have multiple failed payments and initiated payments. A successful order can also have multiple failed and initiated payments and only one successful payment.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now, a merchant\u2019s system or ERP may only keep track of the successful orders and attempted orders. However, an integrated payment system can help you get the full picture. It can help you track all the successful, failed, and initiated payments.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But how will a comprehensive report help you out? Well, it can help you figure out the reasons behind payment failures. A payment failure may be because of non-optimization for mobile pages, security concerns or technology failures.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A comprehensive payment report can help you identify patterns and zero in on the reasons for payment failures. Rectifying that issue can result in higher transaction success rates for your business.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/cashfree.com\/whitepapers\/optimizing-transaction-success-rate?utm_source=blog&amp;utm_medium=integratedpaymentsystem_blog\" target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"770\" height=\"403\" data-attachment-id=\"4276\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/integrated-payment-system\/integratedpaymentsys-04\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-04.png?fit=5001%2C2618&amp;ssl=1\" data-orig-size=\"5001,2618\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"IntegratedPaymentSys-04\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-04.png?fit=770%2C403&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-04-1024x536.png?resize=770%2C403&#038;ssl=1\" alt=\"Integrated Payment System: How to optimize transaction success rate\" class=\"wp-image-4276\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-04.png?resize=1024%2C536&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-04.png?resize=300%2C157&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-04.png?resize=768%2C402&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-04.png?resize=1536%2C804&amp;ssl=1 1536w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-04.png?w=2310&amp;ssl=1 2310w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/a><\/figure>\n\n\n\n<h3 id=\"enhanced-security\" class=\"wp-block-heading\">Enhanced Security<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Manual reconciliation and accounting are security risks. Cross-checking payments with a physical database is nearly impossible if you have large amounts of transactions.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, the biggest risk is that of security. Customers&#8217; payment information like credit card details or <a href=\"https:\/\/cashfree.com\/blog\/vpa-in-upi\/\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\">VPA in UPI<\/mark><\/strong><\/a> is confidential. Integrated payment systems are PCI-DSS compliant so they can process payments. Moreover, they encrypt or tokenize customers\u2019 payment information in order to transfer info to Acquiring banks. On top of that, certain payment gateways employ robust risk and fraud management systems<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, the same cannot be said about a merchant\u2019s database or ERP. They may be susceptible to data breaches and other security concerns.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Moreover, these cloud-based payment systems have their own servers. So, merchants do not have to worry about administration and security maintenance costs.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another lesser-known risk is that of natural disasters. Fires, floods or other incidents may lead to unprecedented damage to physical databases. On the other hand, integrated payment systems are usually cloud-based gateways. This shields them from the effects of physical damage.&nbsp;<\/p>\n\n\n\n<h3 id=\"end-to-end-automation-no-human-error\" class=\"wp-block-heading\">End To End Automation- No Human Error<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you are manually cross-checking each customer transaction, you would need to save each transaction receipt. Then you would have to match each transaction to an invoice. Thereafter, you would have to match the electronic invoice to its physical copy. Finally, you would have to adjust your general ledger.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Thankfully, an integrated payment system takes this hassle away.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As soon as the customer payment is completed, the payment system updates the dashboard in real time. Moreover, each transaction has its own order ID. So, you can search for orders by their unique transaction reference numbers and check the transaction history.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Above all, automation eliminates the chances of human error. Manually mapping invoices to receipts may lead to confusion. This situation can be further exacerbated in case the customer asks for a refund.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.shipbob.com\/blog\/ecommerce-returns\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">92% of customers<\/a> choose to shop if the refund process is easy. However, refunds can be a huge pain when it comes to reconciliation. Your ERP system may need a manual mapping of each refund to the respective customer order. However, integrated payment can make this process a breeze.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It can help you reconcile refunds and further filter them by time, status and order ID. Moreover, it will provide you with accurate details about the payment method and refund amount.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/cashfree.com\/blog\/whats-new-cashfree-partners-with-deskera-to-help-smes-receive-payments-for-their-invoices-in-a-single-click\/?utm_source=blog&amp;utm_medium=integratedpaymentsystem_blog\" target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"770\" height=\"403\" data-attachment-id=\"4594\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/integrated-payment-system\/deskera\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/10\/deskera.png?fit=5001%2C2617&amp;ssl=1\" data-orig-size=\"5001,2617\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"deskera\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/10\/deskera.png?fit=770%2C403&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2021\/10\/deskera-1024x536.png?resize=770%2C403&#038;ssl=1\" alt=\"Faster payments at Deskera using Cashfree link\" class=\"wp-image-4594\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/10\/deskera.png?resize=1024%2C536&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/10\/deskera.png?resize=300%2C157&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/10\/deskera.png?resize=768%2C402&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/10\/deskera.png?resize=1536%2C804&amp;ssl=1 1536w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/10\/deskera.png?w=2310&amp;ssl=1 2310w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/a><figcaption class=\"wp-element-caption\">Businesses on the Deskera platform can get paid instantly by including a&nbsp;<strong>Cashfree Payment link<\/strong>&nbsp;in their invoice<\/figcaption><\/figure>\n\n\n\n<h3 id=\"real-time-reconciliation\" class=\"wp-block-heading\">Real-Time Reconciliation<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Reconciliation is the process of verifying your business expenses and income. Now, this can either be done through manual cross-checking with ERP or directly through the payment system.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Naturally, manual reconciliation will be a delayed process. On the other hand, an integrated payment system can give you faster updates about each transaction. It can inform you if the transaction is pending or successful.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, a modern payment system can go one step further with<strong> Real-Time Reconciliation.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"770\" height=\"770\" data-attachment-id=\"4311\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/integrated-payment-system\/integratedpaymentsys-03-1\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-03-1.png?fit=5001%2C5001&amp;ssl=1\" data-orig-size=\"5001,5001\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"IntegratedPaymentSys-03-1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-03-1.png?fit=770%2C770&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-03-1-1024x1024.png?resize=770%2C770&#038;ssl=1\" alt=\"Integrated Payment System\" class=\"wp-image-4311\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-03-1.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-03-1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-03-1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-03-1.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-03-1.png?resize=1536%2C1536&amp;ssl=1 1536w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-03-1.png?w=2310&amp;ssl=1 2310w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Now, the payment processing cycle includes a lot of players. There is the Acquirer, Issuer, Payment Processor, Payment Gateway (aka Payment System) and the Card Network. Now, there can be an issue with any of these players resulting in a delay in reconciliation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, this delay can lead to payment uncertainty, or worse, loss of business. For instance, let\u2019s assume that you operate a travel agency. You can only finalize the booking after you have payment confirmation. However, a customer may want immediate booking confirmation. In absence of confirmation, they may resort to cancellation. In this case, a payment system with real-time reconciliation will help.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Real-time reconciliation provides a definitive transaction status within 10 minutes or 1 day. So, a merchant can decide whether the product\/service can be offered to the customer. Moreover, a payment system can automatically refund the customer&#8217;s funds in case of payment failure. The merchant would not need to pay Merchant Discount Rate for failed transactions.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Moreover, this is beneficial for the customer as well. A lot of times, the funds are deducted from a bank account but the order may not be successfully placed. Now, the customer may be confused between placing a new order or waiting for payment confirmation to show up.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With Real-time reconciliation, customers are aware of their transaction status. They can take their next steps taking that into consideration.<\/p>\n\n\n\n<h3 id=\"merchant-friendly-ux\" class=\"wp-block-heading\">Merchant Friendly UX<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Integrated payment systems eliminate the need for painstaking cross-verification. Moreover, they make it easy to search for any particular transaction or batch of transactions within a time period.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To understand just how convenient an integrated payment system is, let\u2019s have a look at its reconciliation process:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">After the payment is received from the bank, the payment system credits funds to the merchant account. This step is known as the settlement.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Settlements can be instant or standard. In the case of standard settlement, you as a merchant can access funds within T+2 days. However, instant settlements can let you access funds within 15 minutes. Either way, you can track all your settlements on the <strong>dashboard<\/strong>.<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>Then you can apply filters on the dashboard to reports for specific settlements. You can check if the transaction is completed, ongoing or stalled.<\/li>\n\n\n\n<li>Every transaction has a unique reference ID that can be used to track it.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Furthermore, integrated payment system providers offer reliable support as well. Merchants can avail of live chat for any concerns related to their systems. A dedicated account manager can further help in integrating and using the payment system.&nbsp;<\/p>\n\n\n\n<h3 id=\"payment-analytics\" class=\"wp-block-heading\">Payment Analytics<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">However, it doesn\u2019t end there. An integrated payment system can also provide you with accurate analytics for your transactions.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For growing businesses, this is extremely important. After all, business growth and scalability depend on current cash flow. Accurate payment analytics can help you keep track of that.&nbsp; Moreover, it can help you make educated decisions based on your insights.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For instance, your payment system can help you access these insights:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Payment modes used by customers (net banking, cards, UPI, wallets, etc.)<\/li>\n\n\n\n<li>Payment volume<\/li>\n\n\n\n<li>Transaction Date and time&nbsp;<\/li>\n\n\n\n<li>Platforms used by customers (iOS, Android, etc.)<\/li>\n<\/ol>\n\n\n\n<h2 id=\"how-to-choose-an-integrated-payment-system\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_To_Choose_an_Integrated_Payment_System\"><\/span>How To Choose an Integrated Payment System?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Online transactions amounted to over <a href=\"https:\/\/www.statista.com\/statistics\/1251319\/india-total-value-of-digital-payments\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">1.7 quadrillions INR in 2022 in India<\/a>. Needless to say, an integrated payment system is the need of the hour.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As a merchant, you need to provide the best payment experience to your customer. In addition to that, you need to ensure that the payment system is strategically helpful to your business.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, let\u2019s have a look at how you can choose an integrated payment system that caters to your business needs.<\/p>\n\n\n\n<h3 id=\"easily-integrated-to-erp\" class=\"wp-block-heading\">Payment System is Easily Integrated into ERP<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A payment system can be integrated with your ERP for web and mobile applications. Try to go for a payment system that provides detailed integration guides in all major computer languages.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Also, <a href=\"https:\/\/www.statista.com\/topics\/5593\/digital-payment-in-india\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">smartphones are the most popular point of access<\/a> for online banking in India. So, ensure that your payment system provides SDKs for all major mobile operating systems like Android, iOS, ReactNative, Cordova, etc. Furthermore, having ready-to-use plugins for popular eCommerce platforms like Shopify, Magneto and Woocommerce can be a big plus!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Related Read:<\/strong> <a href=\"https:\/\/cashfree.com\/blog\/test-cases-for-payment-gateway\/\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\">Test cases for payment gateway<\/mark><\/strong><\/a><\/p>\n\n\n\n<h3 id=\"comprehensive-payment-support\" class=\"wp-block-heading\">Comprehensive Payment Support<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">There are a lot of factors that you need to consider before integrating a payment system. However, this, without a doubt, is one of the most important points.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Integrating <a href=\"https:\/\/cashfree.com\/blog\/multiple-payment-gateways\/\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\">multiple payment gateways<\/mark><\/strong><\/a> is not feasible for most businesses. Hence, try to go for a payment system that provides all the popular payment modes. This can include cards, net banking, UPI, wallets, EMI and a lot more. This will lead to lower cart abandonment rates and hence, increased sales for you.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Moreover, ensure that your payment system offers international payment support as well. This will ensure that you don\u2019t miss out on overseas sales. Advanced payment gateways will let your customers see product prices in their preferred currencies. In addition to that, it will allow you to settle funds in INR.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/cashfree.com\/contact-sales?utm_source=blog&amp;utm_medium=integratedpaymentsystem_blog\" target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"770\" height=\"403\" data-attachment-id=\"4289\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/integrated-payment-system\/integratedpaymentsys-06-1\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-06-1.png?fit=5001%2C2618&amp;ssl=1\" data-orig-size=\"5001,2618\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"IntegratedPaymentSys-06-1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-06-1.png?fit=770%2C403&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-06-1-1024x536.png?resize=770%2C403&#038;ssl=1\" alt=\"Integrated Payment System: CTA\" class=\"wp-image-4289\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-06-1.png?resize=1024%2C536&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-06-1.png?resize=300%2C157&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-06-1.png?resize=768%2C402&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-06-1.png?resize=1536%2C804&amp;ssl=1 1536w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-06-1.png?w=2310&amp;ssl=1 2310w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/a><\/figure>\n\n\n\n<h3 id=\"hosted-or-non-hosted-pages\" class=\"wp-block-heading\">Hosted or Non-Hosted Pages<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.superoffice.com\/blog\/customer-experience-statistics\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">86% of customers<\/a> state that they will <em>pay more for a better customer experience<\/em>. As a merchant, you must provide the optimal payment experience to your customers. Hosted or non-hosted payment pages can play a huge role in that.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"770\" height=\"403\" data-attachment-id=\"4279\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/integrated-payment-system\/integratedpaymentsys-07\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-07.png?fit=5001%2C2618&amp;ssl=1\" data-orig-size=\"5001,2618\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"IntegratedPaymentSys-07\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-07.png?fit=770%2C403&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-07-1024x536.png?resize=770%2C403&#038;ssl=1\" alt=\"Types of Payment Gateways\" class=\"wp-image-4279\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-07.png?resize=1024%2C536&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-07.png?resize=300%2C157&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-07.png?resize=768%2C402&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-07.png?resize=1536%2C804&amp;ssl=1 1536w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-07.png?w=2310&amp;ssl=1 2310w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Hosted payment pages are provided by the payment services provider (PSP)&nbsp; They require the customer to redirect to another page to enter payment information. Here, the PSP is in charge of PCI-DSS compliance.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In non or self-hosted pages, the customer is not redirected. Instead, they stay on the merchant\u2019s site. However, the merchant has the added responsibility of encrypting or tokenizing the customer payment information.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Furthermore, hosted payment pages are far easier to integrate. Taking all points into consideration, you can decide which type of payment page suits your business best.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Related Read:<\/strong> <a href=\"https:\/\/cashfree.com\/blog\/hosted-payment-gateway\/\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\">Hosted Payment Gateway<\/mark><\/strong><\/a><\/p>\n\n\n\n<h3 id=\"sub-merchant-account\" class=\"wp-block-heading\">Sub Merchant Account<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A merchant account is a business bank account. Without it, you cannot accept or disburse payment. There are two ways to get a merchant account.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>ISO Merchant Account- <\/strong>These are merchant accounts issued directly by association member banks. ISO merchant accounts have their own processing rates and require an enormous amount of resources. This does not include the legal and compliance issues attached to them.<\/li>\n\n\n\n<li><strong>Sub Merchant Account- <\/strong>Your payment system can also provide you with a merchant account. However, this will be a sub-merchant account mapped to their master account. The payment system will accept the payment on your behalf and settle them after a period of time.&nbsp;<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"770\" height=\"403\" data-attachment-id=\"4292\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/integrated-payment-system\/integratedpaymentsys-08-1\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-08-1.png?fit=5000%2C2618&amp;ssl=1\" data-orig-size=\"5000,2618\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"IntegratedPaymentSys-08-1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-08-1.png?fit=770%2C403&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-08-1-1024x536.png?resize=770%2C403&#038;ssl=1\" alt=\"Integrated Payment System: Types of Merchant Accounts\" class=\"wp-image-4292\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-08-1.png?resize=1024%2C536&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-08-1.png?resize=300%2C157&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-08-1.png?resize=768%2C402&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-08-1.png?resize=1536%2C804&amp;ssl=1 1536w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-08-1.png?w=2310&amp;ssl=1 2310w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Related Read:<\/strong> <a href=\"https:\/\/cashfree.com\/blog\/difference-between-payment-gateway-and-merchant-account\/\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\">Payment Gateway vs Merchant Account<\/mark><\/strong><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Usually, large multinational enterprises use ISO merchant accounts. On the other hand, a sub-merchant account is best suited for small, medium and large businesses. Most importantly, they are scalable for fast-growing businesses.&nbsp;<\/p>\n\n\n\n<h2 id=\"how-to-integrate-online-payment-system-in-website\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Integrate_Online_Payment_System_in_Website\"><\/span>How to Integrate Online Payment System in Website<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">After understanding the basics of an integrated payment system, we move on to the next topic.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">How can integrate a payment system into your website?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Well, you have four major ways to do that: Web, Mobile, API integration and eCommerce plugins.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"770\" height=\"403\" data-attachment-id=\"4318\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/integrated-payment-system\/integratedpaymentsys-09-1\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-09-1.png?fit=5001%2C2618&amp;ssl=1\" data-orig-size=\"5001,2618\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"IntegratedPaymentSys-09-1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-09-1.png?fit=770%2C403&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-09-1-1024x536.png?resize=770%2C403&#038;ssl=1\" alt=\"Integrated Payment System - How to integrate in website\" class=\"wp-image-4318\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-09-1.png?resize=1024%2C536&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-09-1.png?resize=300%2C157&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-09-1.png?resize=768%2C402&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-09-1.png?resize=1536%2C804&amp;ssl=1 1536w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-09-1.png?w=2310&amp;ssl=1 2310w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">They all have different integration steps so let\u2019s jump right in.&nbsp;<\/p>\n\n\n\n<h3 id=\"web-integration\" class=\"wp-block-heading\">Web Integration of Payment Systems<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You would require integrations for your website as well as your mobile application. But first, let\u2019s start with the former.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The first step is to decide the kind of payment page you require. A hosted page will require a slightly different integration than a self-hosted one.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cashfree Payments offers you three kinds of integrations:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"770\" height=\"403\" data-attachment-id=\"4299\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/integrated-payment-system\/integratedpaymentsys-10-1\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-10-1.png?fit=5001%2C2618&amp;ssl=1\" data-orig-size=\"5001,2618\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"IntegratedPaymentSys-10-1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-10-1.png?fit=770%2C403&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-10-1-1024x536.png?resize=770%2C403&#038;ssl=1\" alt=\"Web Integration\" class=\"wp-image-4299\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-10-1.png?resize=1024%2C536&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-10-1.png?resize=300%2C157&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-10-1.png?resize=768%2C402&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-10-1.png?resize=1536%2C804&amp;ssl=1 1536w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-10-1.png?w=2310&amp;ssl=1 2310w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Standard Checkout:<\/strong> Here, the customer is redirected to a payment page maintained by the payment system. The PSP takes care of PCI compliance and safely encrypts the payment information. Head here to check out the <a href=\"https:\/\/docs.cashfree.com\/docs\/checkout\" target=\"_blank\" rel=\"noreferrer noopener\">integration for Standard Checkout<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Seamless Basic:<\/strong> This is a self-hosted payment page where the customer stays on the merchant&#8217;s website. However, they enter their payment information on an embedded form maintained by the payment system. Click here to check out the<a href=\"https:\/\/docs.cashfree.com\/docs\/seamless-basic\" target=\"_blank\" rel=\"noreferrer noopener\"> integration steps for Seamless Basic<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Seamless Pro:<\/strong> In this type of integration, the customer payment information is collected by the merchant. They forward this information to the payment system for payment processing. Here, the merchant is responsible for being PCI compliant. Head here to check out the <a href=\"https:\/\/docs.cashfree.com\/docs\/seamless-pro\" target=\"_blank\" rel=\"noreferrer noopener\">integration for Seamless Pro<\/a>.<\/p>\n\n\n\n<h3 id=\"mobile-integration\" class=\"wp-block-heading\">Mobile Integration of Payment Systems<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Now, it is important to note that different mobile operating systems have different integration steps for a payment system.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ensure that your payment system provides detailed integration guides to these platforms. Cashfree Payments provides integration support for these platforms:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/docs.cashfree.com\/docs\/android-sdk\" target=\"_blank\" rel=\"noreferrer noopener\">Android SDK<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/docs.cashfree.com\/docs\/ios-sdk\" target=\"_blank\" rel=\"noreferrer noopener\">iOS SDK<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/docs.cashfree.com\/docs\/react-native-2-0-sdk\" target=\"_blank\" rel=\"noreferrer noopener\">React Native SDK Version 2.0.0<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/docs.cashfree.com\/docs\/react-native-version-2-1-sdk\" target=\"_blank\" rel=\"noreferrer noopener\">React Native SDK Version 2.1.0<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/docs.cashfree.com\/docs\/flutter-sdk\" target=\"_blank\" rel=\"noreferrer noopener\">Flutter SDK<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/docs.cashfree.com\/docs\/cordova-sdk\" target=\"_blank\" rel=\"noreferrer noopener\">Cordova SDK<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/docs.cashfree.com\/docs\/xamarin-android-support-sdk\" target=\"_blank\" rel=\"noreferrer noopener\">Android Support SDK<\/a>: <a href=\"https:\/\/docs.cashfree.com\/docs\/xamarin-android-support-sdk\"><mark>Xamarin<\/mark><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/docs.cashfree.com\/docs\/xamarin-androidx-sdk\" target=\"_blank\" rel=\"noreferrer noopener\">AndroidX SDK<\/a>: <a href=\"https:\/\/docs.cashfree.com\/docs\/xamarin-androidx-sdk\"><mark>Xamarin<\/mark><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/docs.cashfree.com\/docs\/xamarin-ios-sdk\" target=\"_blank\" rel=\"noreferrer noopener\">iOS SDK<\/a>: <a href=\"https:\/\/docs.cashfree.com\/docs\/xamarin-ios-sdk\" target=\"_blank\" rel=\"noreferrer noopener\">Xamarin<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/docs.cashfree.com\/docs\/xamarin-forms-sdk\" target=\"_blank\" rel=\"noreferrer noopener\">Xamarin Forms SDK<\/a><\/li>\n<\/ul>\n\n\n\n<h3 id=\"api-based-integration\" class=\"wp-block-heading\">API based Integration<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The API-based integration is extremely developer-friendly, taking less than 30 minutes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here, the merchant can either use the pre-built checkout page or create a custom page using the APIs.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"770\" height=\"403\" data-attachment-id=\"4314\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/integrated-payment-system\/integratedpaymentsys-11-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-11-2.png?fit=5000%2C2618&amp;ssl=1\" data-orig-size=\"5000,2618\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"IntegratedPaymentSys-11-2\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-11-2.png?fit=770%2C403&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-11-2-1024x536.png?resize=770%2C403&#038;ssl=1\" alt=\"API-based Integration\" class=\"wp-image-4314\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-11-2.png?resize=1024%2C536&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-11-2.png?resize=300%2C157&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-11-2.png?resize=768%2C402&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-11-2.png?resize=1536%2C804&amp;ssl=1 1536w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-11-2.png?w=2310&amp;ssl=1 2310w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Check out the details for the Cashfree Payments API integration <a href=\"https:\/\/docs.cashfree.com\/docs\/api-integration\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a>.<\/p>\n\n\n\n<h3 id=\"ecommerce-platform-plugins\" class=\"wp-block-heading\">E-commerce Platform Plugins<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Finally, we have the eCommerce platform plugins. They help you easily integrate and accept payments for your website on eCommerce platforms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You need to install the plugin and enter your app id and secret key. The appID and secret key are provided after you onboard with the payment system.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The plugins redirect your customers to the payment system\u2019s hosted payment form. Cashfree Payments offers plugins for these eCommerce platforms:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/docs.cashfree.com\/docs\/shopify\" target=\"_blank\" rel=\"noreferrer noopener\">Shopify<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/docs.cashfree.com\/docs\/woocommerce\" target=\"_blank\" rel=\"noreferrer noopener\">WooCommerce<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/docs.cashfree.com\/docs\/magento\" target=\"_blank\" rel=\"noreferrer noopener\">Magento<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/docs.cashfree.com\/docs\/prestashop\" target=\"_blank\" rel=\"noreferrer noopener\">PrestaShop<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/docs.cashfree.com\/docs\/whmcs\" target=\"_blank\" rel=\"noreferrer noopener\">WHMCS<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/docs.cashfree.com\/docs\/opencart\" target=\"_blank\" rel=\"noreferrer noopener\">OpenCart<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/docs.cashfree.com\/docs\/cs-cart\" target=\"_blank\" rel=\"noreferrer noopener\">CS-Cart<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/docs.cashfree.com\/docs\/wordpress\" target=\"_blank\" rel=\"noreferrer noopener\">WordPress<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Related Read:<\/strong> <a href=\"https:\/\/cashfree.com\/blog\/payment-systems-for-ecommerce\/\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\">Payment Systems For eCommerce<\/mark><\/strong><\/a><\/p>\n\n\n\n<h2 id=\"conclusion\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Phew!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019ve finally reached the conclusion of this guide.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Choosing an integrated payment system may not be a piece of the cake. However, we hope this blog helped you understand the features you may need from a payment system.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do you think we missed out on any features? Let us know your thoughts in the comments below!<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.cashfree.com\/contact-sales?utm_source=blog&amp;utm_medium=integratedpaymentsystem_blog\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"770\" height=\"172\" data-attachment-id=\"4316\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/integrated-payment-system\/integratedpaymentsys-13\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-13.png?fit=5000%2C1117&amp;ssl=1\" data-orig-size=\"5000,1117\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"IntegratedPaymentSys-13\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-13.png?fit=770%2C172&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-13-1024x229.png?resize=770%2C172&#038;ssl=1\" alt=\"Integrated Payment System: CTA\" class=\"wp-image-4316\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-13.png?resize=1024%2C229&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-13.png?resize=300%2C67&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-13.png?resize=768%2C172&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-13.png?resize=1536%2C343&amp;ssl=1 1536w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/09\/IntegratedPaymentSys-13.png?w=2310&amp;ssl=1 2310w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/a><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Related Post<\/h4>\n\n\n\n<ul><li><a href='https:\/\/www.cashfree.com\/blog\/what-are-the-kyc-procedures-for-merchant-onboarding\/'>Merchant Onboarding KYC<\/a><\/li><li><a href='https:\/\/www.cashfree.com\/blog\/vpa-in-upi\/'>VPA in UPI<\/a><\/li><li><a href='https:\/\/www.cashfree.com\/blog\/upi-global\/'>Global UPI<\/a><\/li><li><a href='https:\/\/www.cashfree.com\/blog\/payment-page-design-examples\/'>Payment Page Design<\/a><\/li><li><a href='https:\/\/www.cashfree.com\/blog\/ppi-interoperability\/'>PPI Interoperability<\/a><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>An integrated payment system connects your payment gateway with your business software, such as an ERP, CRM, or accounting platform, to automate payment collection, reconciliation, and reporting. It eliminates manual work, reduces errors, improves payment visibility, and helps businesses manage transactions efficiently. What is an Integrated Payment System? An integrated payment system is a 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