payment Implementation reduced to as little as 2 days. PayPay ・Bulk introduction of credit cards with API "OpenAPI type"

payment In some cases, the implementation was realized in as little as two days. PayPay ・Bulk introduction of credit cards with API "OpenAPI type"

Have you ever had the experience of launching an e-commerce site or starting a new business that took longer than expected to "implement payment functions"?

Read the specifications, repeat the test, inquire about unclear points, and wait for answers. Before you know it, weeks have passed, and the crucial service release is delayed. It's not just about "delayed schedule" issues. If the implementation is delayed by two weeks, it will be difficult to regain sales during that period.

Missing the busy season, getting ahead of the competition, and losing opportunities piled up. If you are a business manager or payment manager, you may have realized the magnitude of this "invisible cost".

In order to eliminate this "payment implementation bottleneck" and prevent lost business opportunities, GMO Payment Gateway (hereinafter referred to as "GMO-PG") provides a new connection method called "OpenAPI type" in its online payment service PG Multi-Payment Service. Why is this connection method attracting attention? Here's why, along with the specific mechanism.

*Refers to the "OpenAPI type" in the payment connection method provided by GMO Payment Gateway

payment Eliminate implementation challenges. The mechanism that supports that "speed"

Solving the Traditional Challenge: "Remember Every payment method" Pain

In traditional payment implementations, the process flow was disjointed for each payment method. Even if it became a single-endpoint system, that is, a method with a single connection destination, it was necessary to implement it individually with an awareness of the contents, such as "sending this request in PayPay, changing this parameter in Merpay, and d Payment...".

Every time you add a new payment method, re-read the specification, add unique processing, and recreate the test case. This learning and implementation cost was the biggest factor driving the development time.

OpenAPI type solution: abstraction in "4 groups"

PG Multi-Payment Service 's OpenAPI type solves this challenge from the ground up. payment Each feature of the flow was abstracted and aggregated into "four groups".

For example, if you learn one "Pay payment" flow, you can add PayPay, Merpay, d Payment, and Rakuten Pay in the exact same flow without being aware of the contents. No matter how many payment method you add, it will only learn a maximum of 4 patterns. This concept of "grouping" is the biggest reason why OpenAPI types have been able to reduce the development time.

For engineers, this is a big change. "Is it a new payment method again... I am free from the pain of "reading the specifications is depressing", and you will be able to implement it with confidence, saying, "This is a payment process, so I can follow the usual pattern."

In the business world, "time to market" determines competitiveness. payment While you spend weeks implementing it, your competitors may release your service first and acquire customers. OpenAPI types are a powerful weapon to ensure that you don't waste a moment of your precious time and don't miss out on business opportunities.

These reasons allow for payment speed adoption.

[To reduce the burden on the site] Because the specifications are intuitive, the developer's hesitation is reduced.

For business managers and payment managers, "responding to inquiries from the field" may be as a headache as the speed of development. "Will the engineer bombard me with questions while checking the specifications?" "Can I take the time to contact support?" There is a risk that management costs will increase.

In this regard, OpenAPI types offer the distinct benefit of not having to bother business leaders or payment personnel. OpenAPI types are intuitive and adhere to the global standard OpenAPI Specification (OAS), so engineers only need to read the documentation to self-contained and implement smoothly.

In addition, the patterning of the aforementioned "four groups" improves the overall outlook of the specification. "What does this endpoint do?" "What parameters are required?" These questions are easy to solve on their own.
This simplicity of the specification helps development teams be more productive. As a result, business leaders and payment personnel can focus on their core work rather than being overwhelmed by questions from engineers and support.

Solving payment Implementation Dilemmas Achieving Development Speed and payment Comprehensiveness

"Foreign PSPs seem to be easy to develop, but I am worried about the lack of support and support for Japan's unique business practices (CVS Payment, buy now pay later, etc.)..."

"The payment service of conventional domestic PSPs is reassuring in terms of payment 's comprehensiveness and support, but it seems to take a lot of development man-hours..."

Many people may have this dilemma. The OpenAPI type is a new option that realizes both "development speed" and "peace of mind" and solves the dilemma of the development field.

▼OpenAPI Type Position

*The above is a summary of general trends and does not indicate any specific third-party services.

With PG Multi-Payment Service 's OpenAPI type, you can really "take the best of it". Pay-based payment such as PayPay, credit cards, CVS Payment, buy now pay later, etc., can be implemented with an efficient sense of payment method speed.

Leave the existing system as it is. "Flexibility" to implement with reduced risk

If you already have an payment system in place, you may be concerned, "Isn't it necessary to rebuild all existing systems to use OpenAPI types?" This is where "combined use (hybrid use)" with existing connection methods is effective.

For example, you can use the existing Credit card payment flexibly as it is, while implementing only the newly added PayPay or CVS Payment with OpenAPI types.

Security is also world-class

finance To ensure the "safety" that is essential for transactions, OpenAPI types are designed to comply with the following latest security standards:

- Access token method according to modern authentication standard (OAuth 2.0)

Adopts access tokens based on OAuth 2.0. By issuing a time-bound token for each session, you can minimize the risk in the unlikely event that your access token is compromised.

- IP restriction function to prevent unauthorized access

Block access from other than the specific server (IP address) authorized by the merchant. Prevent abuse and fraudulent transactions by third parties.

・Countermeasures against malicious communication (spoofed communication)

It has a mechanism that allows you to check whether the communication during redirects and webhooks is legitimate, preventing malicious users from spoofing the communication.

・In addition to the international standard "PCI DSS", it adopts an encrypted communication method that is widely used internationally.

In addition to complying with PCI DSS, an international security standard for the credit card industry, we also use the internationally widely used encrypted communication method (TLS).

Conclusion

PG Multi-Payment Service 's OpenAPI type is more than just a "new payment connection method". It is a strategic tool that enables you to design and scale payment conductors to meet your business requirements, helping to limit lost opportunities and generate sales opportunities.

• Overwhelming payment Adoption speed (key is to reduce learning costs by grouping 4)
• Intuitive specifications reduce developer confusion and reduce on-site burden
• The "best of all" is the development of world standards + a sense of security through domestic PSPs
• Compliant with the latest security standards of global standards

If you want to quickly and securely deploy major domestic payment such as PayPay, credit card, CVS Payment, buy now pay later, etc., this OpenAPI type will be a strong choice.

"How long can it be implemented in our own case?" and "How should it be combined with existing systems?" ――If you have such questions, please feel free to contact us. We will propose an implementation simulation tailored to your company's situation.