Hosted Payment pages vs APIs: What’s the difference?

If you’re looking for ways to accept payments online, you’ve probably heard of hosted payment pages and APIs. While quite different in functionality, both are great solutions for taking payments and should be considered when setting up your online store.

To help you decide which option is best for you, here we define exactly what each solution entails, their key benefits and things to keep in mind when choosing a payment service provider.


What is a hosted payment page?

Hosted payment pages are a common way for businesses to accept payments online. Using a third-party platform like Latpay, businesses can redirect customers to a secure payment page from their website, allowing a simple way for customers to pay. 

With the ability to brand the page in line with the rest of the website, customers are often unaware they have been directed away from the original site. 


Benefits of hosted payment pages:

Hosted payment pages come with a range of benefits for both customers and merchants, including:

  • Simple set up and integration – no developers needed
  • Increased payment security – payments are processed away from your website  
  • Simple and secure management of payments 
  • Intuitive and convenient checkout processes 
  • PCI DSS Level 1 compliance (if your payment service provider offers this)


Choosing the right hosted payment page:

There are thousands of payment service providers (PSP) out there offering hosted payment services, so it’s important to do some research and ensure you’re choosing the right one for your needs.

As a minimum, look for a PSP that complies with Payment Card Industry Data Security Standards (PCI DSS). However, it’s also worthwhile looking into the level of compliance they adhere to. PSPs who maintain Level 1 PCI compliance are better equipped at keeping your data safe and are working to the most stringent guidelines outlined for the industry. 

You’ll also want to engage a PSP that offers great design customisability for your page. In some cases, customers will feel uncomfortable paying if they feel they’ve been directed to an untrustworthy site. So making sure the experience is seamless from your website to payment is crucial. 


What is an API (application program interface) integration?

An application program interface integration allows your website to collect customer payment details before passing them through the API and on to the payment gateway to be processed.


Benefits of an API integration 

Implementing an API for payment processing involves much more work on the business side than a payment page. However, there is also a range of key advantages that make an API worthwhile in certain circumstances. 

  • Increased customisability – design the page exactly how you’d like
  • Have complete control over the checkout process and how it is managed
  • Offer a streamlined checkout process all within your website


Choosing the right API integration

API integrations involve passing sensitive customer data through multiple environments for processing. This means that you, as a business, are required to comply with PCI DSS to ensure the security of payment information. Alternatively, you can partner with a reputable PSP to ensure all requirements are adhered to. 


Should I choose a hosted payment page or API integration? 

Ultimately, the best solution for taking payments online will depend on your specific circumstances and goals for your customers. 

As a PCI DSS Level 1 service provider, Latpay can work with you to determine the best solution for your business and implement it with optimal security and usability in mind.

Get in touch with our team to learn more about our hosted payment and API solutions.