A Payment Gateway is an e-commerce service that authorizes payments for e-businesses and online retailers.

It is the equivalent of a physical POS (Point-of-sale) terminal located in most retail outlets. Payment gateways encrypt sensitive information, such as credit card numbers, to ensure that information passes securely between the customer and the merchant.

Workflow at its simplest is the movement of documents and/or tasks through a work process. More specifically, workflow is the operational aspect of a work procedure: how tasks are structured, who performs them, what their relative order is, how they are synchronized, how information flows to support the tasks and how tasks are being tracked.

The process between a product checkout and the order overview is presented in the following figure

The Payment Gateway Workflow should be inserted before the checkout. After the confirm order page will the payment gateway workflow be activated

The numbers at the arrows define the sequence of the interactions 1. The customer does a checkout from the products he or she wants to order.

After the customer has filled in its address information, the customer is redirected to the Payment Workflow. The customer has to fill in his credit card information on the payment information page in the site.

2. The customer has to fill in his credit card information on the payment information page in the site.

If the credit card seems to be valid, the customer is redirected to the next step in the checkout workflow or process.

3. The customer gets a summary of the order when the transaction was successful.

Otherwise the customer is offered to checkout again. Authorize.net will send a notification about the, successful or failed, payment to eZ publish.

This notification is also known as a callback.

eZ Publish relies on the callback to approve or decline orders.

PayPal is an e-commerce business allowing payments and money transfers to be made through the Internet. Online money transfers serve as electronic alternatives to traditional paper methods such as checks and money orders. A PayPal account can be funded with an electronic debit from a bank account or by a credit card. The recipient of a PayPal transfer can request a check from PayPal, establish their own PayPal deposit account or request a transfer to their bank account.

Currently, PayPal operates in 190 markets, and it manages more than 232 million accounts, more than 87 million of them active. PayPal allows customers to send, receive, and hold funds in 24 currencies worldwide. These currencies are the Australian dollar, Brazilian real, Canadian dollar, Chinese renminbi yuan (only available for some Chinese accounts, see below), Euro, pound sterling, Japanese yen, Czech koruna, Danish krone, Hong Kong dollar, Hungarian forint, Israeli new sheqel, Malaysian Ringgit, Mexican peso, New Zealand dollar, Norwegian krone, Philippine Peso, Polish zloty, Singapore dollar, Swedish krona, Swiss franc, New Taiwan Dollar, Thai Baht and U.S. dollar.

 PayPal

operates locally in 21 countries. Residents in 194 markets can use PayPal in their local markets to send money online. PayPal revenues for Q1 2009 were $643 million, up 11 percent year over year. 42 percent of revenues in q1 2009 were from international markets. PayPal's Total Payment Volume (TPV), the total value of transactions in Q1 2009 was nearly $16 billion, up 10 percent year over year

Pay securely for your online purchases Shop securely at eBay and thousands of online stores. When you pay with PayPal, we dont expose your financial information. Send payment for goods and services Pay for purchases and send money from 190 countries and regions. All you need is the recipient's email address. Recipients don't need a PayPal account - they can sign up when they receive your payment. Accepted worldwide PayPal is accepted by thousands of businesses worldwide and is the preferred payment method on eBay. Easy to sign up, easy to use Signing up for a PayPal account is easy - it takes just a few minutes. Once you've signed up, you can send your payment in minutes.

Use pay pal for all online shopping. Shop without sharing your financial information. Keep earning credit card rewards. Pay pal ISNT just for shopping. You dont need money in your account to shop. Make a difference with pay pal. Transfer money abroad. Send money with pay pal Its Fast and Free. Withdraw money from your pay pal account is easy. Pay pal uses the latest anti fraud technology.

 SWIFT

is the Society for Worldwide Interbank Financial Telecommunication, a memberowned cooperative through which the financial world conducts its business operations with speed, certainty and confidence. More than 9,000 banking organisations, securities institutions and corporate customers in 209 countries trust us every day to exchange millions of standardised financial messages.

 Our

role is two-fold. They provide the proprietary communications platform, products and services that allow their customers to connect and exchange financial information securely and reliably. They also act as the catalyst that brings the financial community together to work collaboratively to shape market practice, define standards and consider solutions to issues of mutual interest.

SWIFT enables its customers to automate and standardise financial transactions, thereby lowering costs, reducing operational risk and eliminating inefficiencies from their operations. By using SWIFT customers can also create new business opportunities and revenue streams. SWIFT has its headquarters in Belgium and has offices in the world's major financial centres and developing markets. SWIFT provides additional products and associated services through Arkelis N.V., a wholly owned subsidiary of SWIFT, the assets of which were acquired from SunGard in 2010.