Simplify Commerce Payment Gateway Integration for Business Apps and Websites

Being a business owner, you are already coordinating amongst a myriad of responsibilities, from perfecting your website’s presentation to managing social media, marketing, and a lot more. As we are shifting from brick-and-mortar stores to online transactions, integrating the best payment gateway is just an addition to the list. Speaking of that, the e-commerce industry in Australia is expected to reach AUD 81.9 billion ($54.4 billion) in 2024.

Amidst this, facilitating these transactions depends much on integrating the right online payment gateway for Australian business. These gateways are the digital bridges that enable your customers to securely enter their payment information and complete transactions from anywhere in the world—whether they come from Perth or Paris.

In this post, we will talk about the importance of payment gateways, factors we need to consider, and the right payment gateway to fulfill your needs.

Why are Payment Gateways Important?

It may seem like a small part of your business, but choosing the right payment gateway is essentially the foundation of your online operations. How, when, and how much you receive on your investment depends greatly on which Australian payment gateway you integrate. Here are a few reasons why you should think carefully before choosing a payment gateway for your web store.

Benefits of Payment Gateways

Real-time processing of transactions: Payment gateways make it simple and quick to transact, giving immediate confirmation of the transaction’s success or failure.

Enhanced customer experience: They accept a variety of payment options, including digital wallets and credit/debit cards, which improves the shopping experience for consumers.

Increased sales: Payment gateways expand your customer base and make it easier for them to make purchases online, which results in more revenue.

Secure transactions and fraud detection: Payment gateways safeguard sensitive information against data breaches and fraud by using advanced encryption technology.

Integration with other business systems: Payment gateways can easily connect to accounting programs, customer relationship management (CRM) tools, and e-commerce platforms, easing your operations.

Automated processes: They cut down on manual labor and free up your time and energy by automating payment processing.

How to Choose the Right Payment Gateway: Factors to Consider

The Australian payments market is expected to see a remarkable growth rate of 16.44%, going from $0.92 trillion in 2024 to $1.97 trillion by 2029. When selecting a payment gateway in Australia, there are a few factors to take into account.

Security: To build trust and follow strict security rules, you want to make sure that your customers’ financial information is always safe from fraud or illegal access.

Transaction Fees: Pick a payment gateway with fair commission as it can help you keep costs under control, keeping your profitability uncompromised. 

Payment Methods: Giving your customers a choice of ways to pay gives them freedom, which makes it easier for them to finish deals and makes them happier with their shopping experience overall.

Customer experience: For a good user experience, the payment process must work smoothly. You want people to enjoy using your app because that can make them more loyal and likely to talk about your payment processing services.

Global transactions: If you are planning on expanding your business globally, make sure your integrated payment gateway accepts the payment from Perth to Paris. It should support international purchases and more than one currency. 

Reliability: Picking a reliable payment gateway eliminates problems and makes sure that transfers go easily and safely, giving you and your customers peace of mind.

Having all these crucial factors in a single Australian payment gateway is impossible. You must be considering having a customized approach to the payment gateway. However, with Simplify Commerce Payment Gateway integration for apps and websites, you can rest assured that all your demands will be met seamlessly.

Is Simplify Commerce Payment Gateway Integration the Solution?

Well, it is the solution, fulfilling all the demands for the e-commerce payment gateways in Australia. But before we go ahead on understanding how, we need to understand what Simplify Commerce Payment Gateway is.

What is Simplify Commerce?

For small and medium-sized businesses, Mastercard’s Simplify Commerce payment gateway solution provides a time and labor-saving method to take payments online. It is a flexible option for e-commerce payment gateways in Australia since this powerful online payment platform accepts a wide range of payment methods, such as credit/debit cards and digital wallets.

Additionally, Simplify Commerce partners with prominent financial institutions like the Commonwealth Bank of Australia (CommBank), the largest bank in Australia, which offers extensive support and services predominantly in Australia and New Zealand.

Features of Simplify Commerce Payment Gateway

To make online payments simple and effective for your business, Simplify Payment Gateway gives you access to a number of user-friendly features.  

Direct Payments through API

With Simplify Commerce, you can easily include direct payments using API, giving your consumers a hassle-free checkout experience. Thanks to its adaptability, you can make the payment procedure match your website’s style and features, which improves the user experience.

Hosted Payments

Simplify Commerce provides hosted payment pages for businesses seeking a simple setup. You can reduce the administrative burden of PCI compliance and provide maximum security for transactions by redirecting clients to a secure payment page administered by Simplify Commerce.

Shopping Cart Plug-in

Shopping Cart Plug-ins are supported by Simplify Commerce, making it simple to connect to well-known e-commerce systems such as Shopify, WooCommerce, and Magento. You can start collecting payments right away without having a deep understanding of technology due to this feature’s simplified setup process.

Virtual Terminal (MOTO)

You can accept payments by phone or mail using the virtual terminal function, which is also called Mail Order/Telephone Order (MOTO). This capacity, which offers flexibility and ease in payment processing, is suitable for businesses that operate via many sales channels.

E-Invoicing

You can send invoices to your clients via email using Simplify Commerce’s e-invoicing feature. Having this function makes it easier for clients to pay their bills online, streamlines the billing process, and increases cash flow.

Manage the Store through the App

You can take care of your online shop from anywhere with the Simplify Commerce app for smartphones. With this software, you can monitor sales, handle refunds, and manage client information from any location, giving you full command of your business operations whenever you need it.

Billing and Recurring Payments

Billing and recurring payment alternatives are provided by Simplify Commerce for businesses selling subscription services. Timely payments and less administrative burden are the results of this feature’s automation of the billing process. The ability to safely save payment information for future transactions is another way it improves client convenience.

Benefits of Simplify Commerce Payment Gateway Integration

When you use payment gateways like Stripe and PayPal, any change in their terms and conditions will leave you no choice but to adjust your operations. Let’s say, for example, Stripe charges between 1.75% + A$0.30 and 1.70% + A$0.30 for online (Card Not Present) payments, while PayPal’s fees range from 2.6% + A$0.30 to 1.4% + A$0.30 for QR code transactions. If these providers change their pricing structure, or their payment terms, it could affect your profitability, your revenue cycle, and many other operations. 

Instead, with Simplify Commerce, backed by CommBank, you benefit from the bank’s stable terms and conditions, ensuring more predictable and reliable payment processing for your e-commerce business. 

Apart from this, there are many other benefits. Let’s explore them in detail. 

Security: Simplify Commerce, with the help of Commonwealth Bank of Australia, implements strong security measures such card tokenization and artificial intelligence-driven transaction monitoring. Protecting businesses and consumers alike, it provides a safe environment for online payments with features like EMV 3D Secure authentication and real-time fraud detection.

Sustainability: Simplify Commerce offers reliable and steady payment processing. Through safe and effective payment options, this long standing partnership highlights its dedication to supporting the survival and expansion of Australian businesses.

User Friendliness: Designed for small businesses, Simplify Commerce interfaces seamlessly with current platforms via API plug-ins, making it simple to set up and handle online payments. It is user-friendly for businesses of all sizes due to its simple interface and thorough support.

Competitive Transaction Fee: With Simplify Commerce, you can sell online with confidence because of their straightforward pricing and low transaction fee of only 1.5 percent, unlike other platforms like Stripe and PayPal. Waived joining fees and predictable chargeback fees provide efficient payment processing without unexpected expenses.

Powered by Australia’s Native Bank Ever since 1911: You can rest easy knowing they can trust Simplify Commerce as their payment gateway solution because of CommBank’s considerable expertise and solid reputation in the financial industry.

Create E-Invoices and Regular Payments: With e-invoicing and regular payment options, Simplify Commerce simplifies the monitoring of cash flow. By automating billing operations, businesses can improve productivity and make it more convenient for customers.

Real-Time Processing of Transactions: Transactions are completed in real-time using Simplify Commerce, guaranteeing rapid and easy payment processing for consumers. The result is a decrease in cart abandonment rates and an improvement to the purchasing experience as a whole.

Higher Sales: Simplify Commerce assists businesses in reaching a wider audience and generating more revenue via online purchases by providing many payment options and guaranteeing the safety of all financial transactions. Customer trust and loyalty are promoted by its consistently reliable and secure infrastructure.

Fraud Detection: Simplify Commerce uses modern AI technology and worldwide databases to identify and prevent fraudulent actions in real time. Your business is shielded against financial losses and transacts with integrity due to this proactive strategy.

Automated Procedures: Simplify Commerce facilitates automated payment procedures, such as same-day settlement, minimizing human labor while improving operational efficiency. Focusing on development and client happiness is made possible for businesses.

Funds Settled within an Hour: The funds are settled by Simplify Commerce within an hour, so your revenue cycle won’t be slowed down. This will help you keep your operations running smoothly and efficiently. This fast payout method makes it a better choice among payment gateways in Australia for controlling cash flow.

How we have Implemented Simplify Commerce Payment Gateway Integration in Australia

Our developers have integrated Simplify Commerce for one of our prominent clients leading an environmental advocacy firm in Australia, aiming to promote environmental sustainability via trash reduction and recycling. 

Problem

Our client faced challenges in improving their online presence and streamlining payment processes. To back their e-commerce efforts for sustainable practices needed a strong online payment solution. Their current payment choices were inadequate for the increasing number of customers who wanted safe and easy ways to pay online.

How Did We Help?

Integration of Simplify Commerce: To handle online transactions, we used Simplify Commerce, a top payment gateway supported by Mastercard and recognized for its security and reliability features.

Using CommBank Services: Using the services of Commonwealth Bank of Australia (CommBank), the biggest bank in Australia, guaranteed reliable transaction processing and improved security.

Development with Simplify Commerce SDKs: Our developers used Simplify Commerce SDKs designed specifically for PHP, allowing for seamless connection with the client’s current website infrastructure.

Customization for Efficiency: We tailored the payment gateway solution to meet the unique requirements of our client’s online business, making sure that the shopping cart and checkout procedures were optimized to provide a smooth user experience.

Enhanced Payment Options: Our client was able to accommodate diverse consumer preferences due to Simplify Commerce’s flexible integration, which enabled them to take payments by a variety of ways, including credit/debit cards and digital wallets.

Outcome

Enhanced Payment Capabilities: With Simplify Commerce, our client could improve their online payment options, giving consumers a safe and practical experience that increases online sales and happiness.

Advanced Fraud Protection: The integration brought strong fraud protection and real-time transaction monitoring, giving consumers and businesses alike peace of mind and assuring safe transactions.

Streamlined Cash Flow: Support for e-invoices and recurring payments streamlined cash flow management. It reduced the complexity of managing their funds, freeing up the client to devote more time and energy to their cause of environmental activism.

Empowered E-commerce: Simplify Commerce’s integration allowed the client to accomplish their sustainability objectives while improving their e-commerce capabilities, making it a leading option among payment gateways in Australia.

Conclusion

Cloud Downunder is here to help if you’re thinking about integrating Simplify Commerce as your e-commerce payment gateway in Australia. Get your business the advantages of safe transactions and improved operational efficiency with the help of our team of professional developers who specialize in seamlessly integrating online payment systems.

To learn more about how Simplify Commerce can improve your online store’s functionality and payment methods, contact us today. Don’t miss out on optimizing your online business—get in touch with us now!