{"id":57915,"date":"2022-03-18T17:58:00","date_gmt":"2022-03-18T16:58:00","guid":{"rendered":"https:\/\/www.centralpay.com\/blog\/why-integrate-an-e-commerce-payment-solution\/"},"modified":"2025-10-14T17:18:42","modified_gmt":"2025-10-14T15:18:42","slug":"why-integrate-an-e-commerce-payment-solution","status":"publish","type":"post","link":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/blog\/why-integrate-an-e-commerce-payment-solution\/","title":{"rendered":"Why integrate an e-commerce payment solution?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading has-text-align-left\"><strong>The end of a black box approach<\/strong><\/h2>\n\n<p>The history of online payment has long been written around a central player, the PSP (Payment Service Provider), which allowed payment to be collected via traditional networks (by credit card) with minimal complexity.<\/p>\n\n<p>But as needs became more sophisticated, this model revealed its limitations. What was its strength (simplicity) became a point of friction: lack of visibility into flows, opaque management of service provider commissions and fees, partial integrations with business tools, dependence on rigid technical frameworks, etc. <\/p>\n\n<p>The result: e-retailers who no longer manage their flows, overworked finance teams, and a fragmented customer experience.<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading has-text-align-left\"><strong>Towards an integrated and comprehensive infrastructure<\/strong><\/h2>\n\n<p>A new generation of e-commerce payment solutions has evolved their original infrastructure. This shift is embodied in a new model: the payment hub. A central element that orchestrates all flows, from online checkout to the financial back office.  <\/p>\n\n<p>The benefits are multiple:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Unification of channels and payment methods, in an omnichannel and multi-segment approach<\/li>\n\n\n\n<li>Dynamic payment orchestration, with intelligent routing based on context (amount, customer, channel, cost)<\/li>\n\n\n\n<li>Automation of post-payment processing: payment-order reconciliation, refunds, payouts, etc.<\/li>\n\n\n\n<li>Consolidated real-time view of collections, DSO, and anomalies<\/li>\n<\/ul>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>This infra-native payment model allows merchants to move from &#8220;consumed&#8221; to &#8220;managed&#8221; payments.<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading has-text-align-left\"><strong>Radically different needs depending on e-commerce models<\/strong><\/h2>\n\n<p>To be effective, the <a href=\"https:\/\/centralpay.dev.innovest.fr\/en\/blog\/which-online-payment-solution-model-should-you-choose\/\" data-type=\"link\" data-id=\"https:\/\/centralpay.dev.innovest.fr\/fr\/blog\/quel-modele-de-solution-de-paiement-en-ligne-pour-votre-activite\/\">online payment solution<\/a> must be perfectly aligned with the strategic challenges of e-retailers, marketplaces, or recurring service providers (such as SaaS).<\/p>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">B2C and B2B e-commerce<\/h3>\n\n<p>The challenge is no longer simply acceptance, but also optimizing the journey and costs: avoiding bank card failures, adapting <a href=\"https:\/\/centralpay.dev.innovest.fr\/en\/blog\/5-tips-to-optimize-your-checkout-process\/\">payment journeys<\/a> to customer types, and reducing the friction that fuels shopping cart abandonment. Diversity of payment options, smart routing, and detailed analysis of acceptance rates are becoming margin drivers. <\/p>\n\n<h3 class=\"wp-block-heading\">Marketplaces<\/h3>\n\n<p>Merchant onboarding, integrated KYC\/KYB protocols, third-party collection, and payouts&#8230; Platforms operate within a strict regulatory framework, which requires a robust, centralized infrastructure capable of managing the contractual and operational complexity of their sellers.<\/p>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\">SaaS \/ recurring services<\/h3>\n\n<p>In some cases, payment also becomes a key retention factor. Every direct debit rejection, every card expiry friction can trigger churn. An e-commerce payment solution that natively integrates <a href=\"https:\/\/www.economie.gouv.fr\/cedef\/fiches-pratiques\/espace-unique-de-paiement-en-euros-sepa\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/www.economie.gouv.fr\/cedef\/fiches-pratiques\/espace-unique-de-paiement-en-euros-sepa\" rel=\"noreferrer noopener\">SEPA<\/a> management, reminder scenarios, and real-time payment due date monitoring is therefore essential.  <\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading has-text-align-left\"><strong>CentralPay, a solution designed for complex flows<\/strong><\/h2>\n\n<p>In this context of structural transformation, players like CentralPay are positioning themselves with a full-infrastructure approach, focused on controlling payment flows and interconnecting with business tools.<\/p>\n\n<p>Designed to meet the challenges of e-commerce retailers, marketplaces, and SaaS providers, the CentralPay payment platform acts as a hub, capable of:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Centralize all online payment methods, regardless of the payment method.<\/li>\n\n\n\n<li>Monitor transactions, refunds, payouts, and processing in real time.<\/li>\n\n\n\n<li>Natively integrate platform-specific processes (KYC\/KYB, segregation, payouts, etc.).<\/li>\n\n\n\n<li>Manage business rules <a href=\"https:\/\/centralpay.dev.innovest.fr\/en\/blog\/how-to-select-your-payment-api\/\">via API<\/a> or interface using ready-to-use tools (CMS, ERP, invoicing software).<\/li>\n<\/ul>\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Its ambition: To go beyond collection to provide businesses with a complete e-commerce payment solution that simplifies end-to-end collection flow management.<\/p>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link has-black-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/centralpay.dev.innovest.fr\/en\/use-cases\/payment-on-order\/\" style=\"border-radius:15px\">Discover how CentralPay supports e-commerce merchants \u279c<\/a><\/div>\n<\/div>\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>For a long time, payment was just one building block in the e-commerce journey. A module grafted onto the CMS, an optimized checkout page, credit card compatibility, and the deal was (almost) done. But as models become more hybrid (marketplace, B2B e-commerce, subscriptions) and regulatory pressure intensifies, the limitations of a standard e-commerce payment solution are becoming apparent.  <\/p>\n<p>A new paradigm is emerging: payment is no longer a component, but a business infrastructure in its own right.<\/p>\n","protected":false},"author":4,"featured_media":53651,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[171],"tags":[],"class_list":["post-57915","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-use-cases"],"acf":[],"_links":{"self":[{"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/posts\/57915","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/comments?post=57915"}],"version-history":[{"count":0,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/posts\/57915\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/media\/53651"}],"wp:attachment":[{"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/media?parent=57915"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/categories?post=57915"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/tags?post=57915"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}