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.