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Which Web Development Hacks Make Online Payment Securest at Your Site?

by Soft2share.com

Aware of one definite UX feature consumers most readily pursue at your portal once deciding to ‘make a buy’? Is it the option for ‘Add to Cart’? Customizing own order? Creating a ‘Wish List’?

Well, in accordance to the best web development company in Singapore, prior to getting ensured about all of these traits, 2019’s online shoppers check

  • If or not there prevails the facility to transact adeptly and safely within the UI.

As a matter of fact –

  • The net worth of digital payment market stands at a value of $3.9 trillion – a 14% ‘height’ from 2018.
  • Electronic transaction is the most preferred approach of over 40% global consumers to conclude an online shopping.
  • By 2020, Visa predicts around 500 e-wallets to exist across the borders – issued from the house only.
  • Collectively, payment gateways of Apple, Google and Samsung has experienced an exact 20X ‘hike’ in the last 4 years period with reaching to 56% mark during 2021.
  • With the end of 2019, digital wallets are vowed to surpass the usage of credit cards for both virtual and actual purchase purposes.

Thus, a progressive-standard online payment module is ‘must’ for your website to possess – when to acquire and retain customers of today.

However, as depicted earlier, the process should be protected too for the consumers – free from issues of:

  • Data encroachment
  • Transformation interruption
  • Sensitive information duplication
  • Ambiguous activities at their accounts
  • Fraudulent/Confused steps to proceed with during the process

to let them ‘return’ again, trust the brand integrity and engage with you by a long-term maneuver.

And, to this end, there emerge some savviest web development practices guaranteeing the safest and smartest payment procedure at domains of any and every niche.

Psyched up to acquaint them? Keep on reading:

Web Development Drills for E-Payment Safety


As opines the senior developer at Vision Web Creations, an indispensable feature to safeguard online transactions from all sorts of vulnerabilities.

Through this technique, the vital 16 digits of a shopper’s card are configured into one ‘token’ or spontaneously generated characters at an accredited token server’s API.

Once the card is verified by the server, the token is transmitted at your portal’s back-end– to be used then for processing the definite payment.

Financial data being entirely encrypted lessens the chance for data breakage and even when hacked; tokens turn futile for trespassers to act upon.

Just remember –

  • The ‘hack’ works only for credit cards
  • It is always better that tokens do not initiate with numbers such as 3, 4, 5 & 6 since these are the figures habitually availed by famed card companies – thereby staying prone to chance duplication.

Abiding by PCI Standards

A pro criterion to ‘sound-proof’ the entire transaction method and establish trust quotient in purchasers’ minds as well – building up brand’s repute.

By the perspective of an eminent website development Singapore firm, allegiance to the universally applicable PCI or Payment Card Industry norms, makes you an essential member of the global fraternity of merchants, card brands, banks and payment processors – devoted to rule out data breaches during digital transactions.

The guidelines inherently alert you about the exact data securing maneuver – to encode customer’s financial facts as processing continues, so that actual card information remains invisible and thereby shielded.

PCI’s 3 implicit steps involve –

  • Assessing: You verify a customer’s card credentials, opt for the most suiting IT hacks to deploy for the card’s processing and check against the every-possible-to-happen vulnerability.
  • Remediating: Resolving any such vulnerability or security compromise instantly and deviating from the practice of storing buyer’s sensitive information – if not indispensable to do so.
  • Reporting: Timely submission of articulate reports to related bank branches and card companies and acknowledging their e-payment rules.

To fittingly concede to PCI regulations, in the foremost, your site’s online transaction infrastructure requires ‘syncing in’ with a payment gateway accredited by the Payment Card Industry.

Such is the requisite as the processor provides you with –

  • Wholesome support to fulfill PCI security criterions
  • Apt training workshops for ‘in-house’ staffs
  • On-demand vulnerability scrutiny over domain and networks
  • Round-the-clock help desk service

Some of the celebrated names in this regard comprise:

  • Securion Pay
  • Allied Wallet
  • Stripe
  • NeoCharge

Resort to AVS and CVV2 Tactics

Are you aware that the very businesses accepting online payment suffer from near-about 2% loss in revenue and consequent expenses to bear given to hoax billing address and fake credit card details?

Prevent this issue from affecting your precious commerce by attuning own e-transaction module with the AVS or Address Verification System that –

  • Instantly warns you if the address given by a purchaser mismatches (often happening with stolen cards) with what has been provided in the card – confirming the same from the concerned bank.

Thus, along with protecting you from fraudulent activities, AVS also safeguards a customer’s embezzled card from unexpected transactions.

To enhance the protection benchmark even more, delve into the practice of CVV2 (Card Verification Value) verification prior to finalizing a payment.

That 3/ 4 digit code, existing at card’s backside over the signature zone are often difficult for imposters to provide. So asking for it serves as a solidest guarantee against trespassing.

# In relation to this particular point, again gets established the need to avail an acknowledged payment gateway as one such refunds the entire monetary loss to you in case a ‘hoax play’ occurs.

Time for 3D Secure

3 Domain Server or 3D Secure is the most contemporary development in the spectrum of online payment security.

By attuning own portal with this ‘hack’, you let –

  • Consumers to pay via an One-Time Pin (OTP) issued against their card.


  1. Aftermath of filling in the required details at your payment form and registering own card with the accredited gateway,
  2. A purchaser authenticates his/her self to the issuer (Card Company) by the OPT at the 3D Secure Page that pops up.
  3. This verification credentials are then transmitted to the Acquirer (your business’s bank) for certifying the entire transaction
  4. A clear report goes to the consumer regarding the success or failure of the process

In the opinion of a veteran web development Singapore service, not only remaining transparent to the customer, 3D Secure also evolves the fraud detection and prevention feature of your digital transaction system.

And its ‘X-factor’? Till date, the sole payment scheme, which endow the concerned business with wholesome liability cover against each verified transaction.

Do Not Forget About Best Practices Such As

  • Gaining a SSL certification to shield consumers’ personal and financial credentials from hackers – solidifying the transmission between the server and browser
  • Offering multiple security level checks for existing customers at scenarios like ‘Forgot Password’, account retrieval etc
  • Arraying the ‘Home Page’ with emblems of diverse credit card brands; First impression matters right?
  • As advises the best web development company in Singapore, keeping more than 1 e-payment option (3 is fine) and thus satisfying those 56% online shoppers, who always pursue for different transactional methods at websites
  • Sending a ready confirmation e-mail to the consumer once the payment gets processed depicting actual money paid, order number, shipping details and company refund policy; Show your integrity

Multiplying payments to you!

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