Payment gateways

The ability to connect the reservation system to payment gateways is one of the key features for effective use of online reservation and tickets selling. Thanks to on-line payments, it is possible to offer the customer the entire buying process, from the selection of the event to the payment of the particular reservation, in a very simple way and thus support the overall effect of the business using the on-line reservation system. The reenio system allows the integration of different payment gateways, each with certain advantages, disadvantages or specificities.

The principle of operation and integration of payment gateways is always similar, the main differences are in the range of payment methods and fees for transactions. It is therefore up to each individual which payment gateway better suits the needs and offers the required functions. All payments made through a payment gateway are usually collected in a merchant account provided by the payment gateway provider. Depending on the agreed parameters, these payments are invoiced/billed in bulk. In practice, this means that the money from online payments is received by the merchant in a single batch (including fees) and is not sent directly individually to the merchant's own account. The payment gateway can be operated in different currencies, but for integration it is important that the currency of the payment gateway matches the currency of the reservation system!

GoPay

GoPay is a major online payment provider and one of the largest online payment providers in the Czech Republic and Central Europe. GoPay is supervised by the Czech National Bank and holds a licence from the Czech National Bank to issue electronic money. The GoPay payment gateway offers a fast, convenient and secure way to pay online. The customer makes the payment directly at the payment gateway after completing the order/reservation, or the gateway redirects the customer to online banking or to the page that corresponds to the payment method selected in the order. Once the payment has been submitted, GoPay will send an email with information about the status of the payment and other information such as EET data. All payment information, including credit card number, is secured by encrypted communication and processed by GoPay in accordance with the highest card security standard PCI DSS or PSD2.

GoPay offers all the most commonly used payment methods, including card payments online or via button payments. Most payments are online, so it's a matter of minutes. For a full list of all payment methods offered by GoPay, please see Overview of payment methods. The reenio system primarily supports payment methods that can be processed truly on-line in a few tens of minutes. In the specific cases where the time limit for mandatory payment is 3 days or more, or payment for a reservation is not required, it is also possible to use the payment method of a classic transfer with respect to the methods allowed in the GoPay merchant account.

Start to use GoPay payment gateway

To make online payments for services ordered from your customers using GoPay, you must first register to GoPay payment gateway provider. GoPay will then prepare a offer according to the specific parameters of your business and discuss with you the formal requirements for entering into a contract and obtaining the necessary parameters for integration.

Comgate

This payment gateway again offers a whole range of payment methods, including payment by card, bank transfer, QR, deferred payment, in thirds or in installments, and of course there are also Apple Pay and Google Pay payment channels. The payment gateway can process payments in up to 9 currencies and communicates in 14 languages, which is sufficient potential for possible expansion to other markets in connection with the reservation system.

The Comgate payment gateway is based on a relatively favorable fee policy, especially from the point of view of small businesses with low turnover. The transparent fee system can thus offer interesting fees up to a turnover of 100,000. CZK per month. It is this limit that is also important for the further efficiency of fees, which is often a much higher limit for other payment gateways.

Start to use Comgate payment gateway

In order for customers to be able to pay using the Comgate payment gateway on your booking page, just follow a few steps that are described in the documentation. First of all, you need to obtain a business account and ensure all formal requirements. Next, you will get technical parameters (test or sharp payment gateways), which must be set in the reservation system.

What is specific about this gateway is that you must set the so-called permitted IP addresses on the payment gateway side (in the business account administration), which define which servers your payment gateway can be launched from. You can find these IP addresses in the reservation system in Settings - Payments, credits and VAT - Payment gateways - Comgate - IP addresses for API communication.

Stripe

This payment gateway offers payments, and a range of other services, on a global level. It is a large, stable and growing company that operates in a number of countries. Although this payment gateway also offers a variety of payment methods, from a local business perspective, only credit cards are the primary payment method. Of course, it supports various currencies and languages for payment form.

The advantages of this payment gateway include, first of all, the way it is set up and operated (all online) and also the speed of setting it up itself, then the advantage is that you are using a global large solution, which not only allows further growth, but also guarantees smooth use. On the other hand, its global background also brings a few disadvantages. You have to take into account that the administration or documentation is in English. Compared to other local gateways, the price is a clear disadvantage. Not only is there a fixed fee per transaction, but also a percentage fee according to the transaction volume.

The Stripe payment gateway is definitely a good choice for enabling online payments for your customers. Its design and functionality will definitely suit and fully fulfill the vision of a modern comprehensive payment system. It is important to understand and account for the costs associated with online payments. On the other hand, running a modern business without online payments is not possible today.