When do you need to implement a payment system? Which payment solution provider is the best to use? In this blog, I attempt to figure out which payment solution provider to implement onto your app or website, and why.
When Do We Use a Payment System
I was inspired to write about this topic after meeting with a founder of a start-up I'm really interested in freelancing for. He wanted to convert his websites written in PHP on WordPress natively and he wanted to implement Stripe as a payment system. As a practice, I decided I'd try my hand at building an app that gave me an opportunity to practice how to implement the usage of Stripe. I chose to refer to JavaScript Mastery's "ECommerce Web Shop - Build & Deploy an Amazing App | React.js, Commerce.js, Stripe" video, which was extremely helpful. It also gave me the chance to try out Commerce.js. In addition, it was developed responsively.
As mentioned above, when do we need to use a payment system in our apps or websites? Usually, we would need to incorporate this essential function of being able to make a payment for an item or service when it's an e-commerce app or website. This functionality allows users to conveniently make a payment for any items or services that they choose to purchase. In some cases, a transaction needs to be made when it involves investing funds or online banking; not necessarily to purchase anything.
Types of Payment Solution Providers
The most common payment solution provider that has been a catalyst in the scene is PayPal. PayPal used to be so advanced back in the day, but from exprience, they've now fell short with their cyber security and customer service; they seem to side with the seller in most cases, making it difficult to claim for items that were not received or when receiving damaged goods.
Today, more and more payment solution providers have sprouted making it hard to select which one to use. You could also opt to use multiple payment solutions, so the user can have the liberty to select which one is the most convenient. According to Kilpatrick, S. of BigCommerce, the 7 examples of e-commerce payment solutions (besides PayPal) are:
- Stripe
- Square
- BlueSnap
- Amazon Pay
- Klarna
- Sezzle
Conclusion
To summarize, whichever payment solution you end up using on your app or website really depends on what you and your users' needs are. Therefore, there really isn't a wrong choice.
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