How To Make A Payment System That Is Secure

How To Make A Payment System
5 min read

A business needs to accept payments online to thrive and scale in domestic and global markets. Accepting online payments enables customers to buy online goods and services conveniently using any payment method. However, the question remains, “how secure are online payment systems?” “Are online payments safe?”

Regardless of which party you are in a transaction, you are interested in answering these questions. Therefore, creating a secure payment gateway for a business or e-commerce website is highly important. This article will take a comprehensive look into how to make a payment system that is secure. With EPAM Anywhere Business you can discover how to create an online payment gateway.

How To Make A Payment System That Is Secure

Online payment security focuses on guarding your business and protecting your customers’ personal and banking details. Though it is almost impossible to eliminate fraud, a business owner needs to do everything possible to assure his customers that their online transactions are secure. Therefore, he is expected to do more than build a payment system. Below we explore how to make a payment system that is secure.

1- Use A Secure Payment Platform

As a business owner or prospective business owner, ensure you do your research before creating a payment system for your online transactions or e-commerce website. If possible, speak with the potential platform provider to ensure they can provide the level of security your business needs. This is because your customers may look elsewhere if the platform cannot provide the highest level of online payment security.

It is worth noting that some platforms are created solely for information sharing and have less security for sales. On the contrary, some platforms are built entirely for e-commerce and have added security measures that suit your business. Therefore, ensure that you know all you should know before choosing a payment platform.

2- Require Strong Passwords

Customers should always be the focus when developing a payment gateway. It is common for customers to use a combination of their details as passwords. Requiring your customers to provide and use strong passwords for their accounts is a way of protecting their accounts from cybercriminals. In cases where customers get unlucky and forget their passwords, you can allow them to recover their passwords through their emails.

3- Use Payment Tokenization

Tokenization is an extra layer of security that allows customers to complete payments without being exposed. It involves replacing sensitive payment information with a string of randomly generated numbers called tokens. The use of the token is one of the best ways to make your payment system secure, as it reduces the risk of data breaches.

Creating a payment gateway that uses tokens will significantly reduce the risk of payment fraud. However, if cybercriminals were to gain access to tokenized data, it would completely be of no benefit.

4- Only Ask For Relevant Information

When building a payment system, it is custom to incorporate checkout pages that require customers to provide their details. In this regard, your checkout pages should only ask for necessary and relevant information to sell your products. In addition, business owners should try as much as possible not to ask for information that can be reused by fraudsters when stolen.

5- Encrypt your data

In today’s online ecosystem, TLS (Transport Layer Security) or SSL (Secure Sockets Layer) protocol is necessary. TLS and SSL are protocols that authenticate and encrypt data when surfing the Internet. TLS or SSL helps you encrypt sensitive information that goes through your business or e-commerce website. They also ensure that this information is only accessible to the intended recipient.

Having either of these protocols helps you grow your online reputation, improves brand awareness and payment security, and builds your credibility. Therefore, make sure your payment provider offers TLS or SSL protocol and controls its validity. If you have built your payment gateway, you will have to ensure your site is protected by obtaining a TLS or SSL certificate from a trusted hosting service.


This article has discussed how to make a payment system that is secure. Creating a secure payment gateway and the system will enable an environment that is safe and easy to use for your business and e-commerce website. It will also help you to avoid fraudulent payments and data breaches.

Therefore, understanding and adopting simple online security habits is key to becoming more resilient against cyber threats. If you love to shop online, we recommend that you read The Telegraph’s article on five tips to protect your online payments.

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