WebSphere Commerce Payments

WebSphere Commerce Payments, or Payments, is a protocol-independent payment transaction server for online merchants. It provides cash register-like functionality to a site, supporting multiple payment methods using protocol-specific cassettes. These cassettes are software components that can be attached to the Payments framework to interpret generic payment and administrative commands into payment protocol-specific requests, which are then forwarded to the appropriate recipient, such as the payment gateway of an Acquirer institution. The end result is similar to when a cashier swipes a payment card at the checkout counter in a traditional store.

Payments handles all the background details of Internet payments for the merchant (or a group of merchants, such as a store group), and provides a graphical interface to simplify transaction management. Payments performs the following functions:

The merchant server interacts with Payments by using APIs. Payments APIs are general enough to support other payment technologies.

In order to use WebSphere Commerce Payments with your store, you must include a payment asset file in your store archive. For more information on adding a payment asset file to your store archive, see the WebSphere Commerce Store Development Guide, "Payment Instruments" chapter.