Payment Authorization: Allow the system to request authorization from the payment gateway to ensure funds are available and the payment method is valid.
Transaction Capture: Capture and process payments, including authorization, settlement, and transfer of funds.
Refund Handling: Support refund requests and process them through the payment gateway, including partial and full refunds.
Chargeback Handling: Implement mechanisms to handle chargebacks and disputes, including notification and resolution processes.
Payment Methods
Credit/Debit Cards: Support processing payments via major credit and debit card networks (e.g., Visa, MasterCard, American Express).
Digital Wallets: Integrate with digital wallet services (e.g., PayPal, Apple Pay, Google Pay) for alternative payment options.
Bank Transfers: Enable payments via direct bank transfers or ACH (Automated Clearing House) transactions, if applicable.
Alternative Payment Methods: Support other payment methods such as cryptocurrencies, buy-now-pay-later services, or gift cards, if needed.
Security and Compliance
PCI DSS Compliance: Ensure compliance with Payment Card Industry Data Security Standard (PCI DSS) for handling and storing payment information securely.
Encryption: Encrypt sensitive payment data during transmission and storage to protect against unauthorized access.
Fraud Detection: Implement fraud detection and prevention mechanisms to identify and mitigate fraudulent transactions.
User Interface and Experience
Payment Form Integration: Provide a seamless user experience by integrating payment forms into the application, including card entry fields and payment buttons.
Error Handling: Display user-friendly error messages and provide guidance in case of payment failures or issues.
Transaction Reporting
Transaction History: Provide access to transaction history, including details of completed, pending, and failed transactions.
Reporting Tools: Include tools for generating financial reports, reconciliation, and analytics for transactions processed through the payment gateway.
Integration and Configuration
API Integration: Integrate with the payment gateway’s API to facilitate transactions, handle callbacks, and manage payment statuses.
Configuration Management: Allow administrators to configure payment gateway settings, such as merchant credentials, transaction limits, and currency options.
Notifications and Alerts
Transaction Notifications: Send notifications to customers and merchants about transaction status, including successful payments, failed transactions, and refunds.
System Alerts: Provide alerts for system errors, payment gateway downtime, or security breaches.
Customer Support and Dispute Management
Support Channels: Integrate with customer support tools to handle payment-related inquiries and issues.
Dispute Resolution: Implement processes for managing disputes and chargebacks, including communication with the payment gateway provider.
Non-Functional Requirements
Performance
Response Time: Ensure fast response times for payment processing and transaction status updates (e.g., under 2 seconds for most operations).
Scalability: The system should handle increasing transaction volumes and user load without performance degradation.
Reliability
Uptime: Ensure high availability with minimal downtime for payment processing (e.g., 99.9% uptime).
Error Handling: Implement robust error handling and recovery mechanisms to manage system failures and ensure reliable transaction processing.
Security
Data Protection: Protect sensitive payment information through encryption, secure storage, and secure communication protocols.
Authentication and Authorization: Use secure authentication methods for accessing payment gateway features and managing transactions.
Compliance: Ensure compliance with relevant security standards and regulations, including PCI DSS and data protection laws.
Usability
User Interface: Design an intuitive and user-friendly interface for payment forms, transaction management, and reporting.
Accessibility: Ensure the payment gateway integration is accessible to users with disabilities, following accessibility standards (e.g., WCAG).
Maintainability
Code Quality: Write high-quality, well-documented code to facilitate system maintenance and updates.
Documentation: Provide comprehensive documentation for integration, configuration, and troubleshooting.
Availability
Backup and Recovery: Implement regular data backups and establish procedures for data recovery in case of system failures or data loss.
Failover: Ensure the system has failover capabilities to switch to backup systems or services if necessary.
Portability
Cross-Platform Compatibility: Ensure the payment gateway integration is compatible with various devices and operating systems used by customers and merchants.
Supportability
Technical Support: Provide mechanisms for obtaining technical support and resolving issues related to payment processing, including help desks and support tickets.
Error Reporting: Include functionality for reporting issues or bugs related to payment processing and tracking their resolution.
