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This publication explains how to bypass credit card payment on a website. However, bypassing the system really depends on the website’s security.
A well-built website will be more difficult to bypass the payment to access private/paid content. Some websites with weak security will even allow you to purchase an item without paying if you guess the content URLs correctly. This loophole could be due to the developer not validating their access to every content, making it possible to get around card payment.
Even some websites using CMS like Joomla and WordPress have been set up by developers without real knowledge of site security, and the payment page of such websites can be easily bypassed.
A payment gateway is designed to secure any sensitive information users provide during the payment process. This system encrypts data like card information and bank account details to protect the user.
On a typical payment gateway, when a customer places an order and then clicks the checkout button, the e-commerce website takes them to a payment gateway where they enter any required bank or card information for payment. The payment gateway then directs the user to the issuing bank or a 3D secure page for the transaction to be authorized.
After the transaction is approved, the purchaser’s bank verifies the balance of the customer to check if it’s sufficient or insufficient and notifies the merchant.
If the bank’s response is “No”, the merchant will return an error message to the customer, informing them about the issue encountered with their card. However, if the response is “Yes”, the merchant seeks the transaction from the bank—the bank then approves the payment and notifies the customer of the order placement.
Keep in mind that the transaction involves sensitive information of a user, including bank and card details. Thus, the bank needs to be sure it is safe.
A well-built website will be more difficult to bypass the payment to access private/paid content. Some websites with weak security will even allow you to purchase an item without paying if you guess the content URLs correctly. This loophole could be due to the developer not validating their access to every content, making it possible to get around card payment.
Even some websites using CMS like Joomla and WordPress have been set up by developers without real knowledge of site security, and the payment page of such websites can be easily bypassed.
A payment gateway is designed to secure any sensitive information users provide during the payment process. This system encrypts data like card information and bank account details to protect the user.
On a typical payment gateway, when a customer places an order and then clicks the checkout button, the e-commerce website takes them to a payment gateway where they enter any required bank or card information for payment. The payment gateway then directs the user to the issuing bank or a 3D secure page for the transaction to be authorized.
After the transaction is approved, the purchaser’s bank verifies the balance of the customer to check if it’s sufficient or insufficient and notifies the merchant.
If the bank’s response is “No”, the merchant will return an error message to the customer, informing them about the issue encountered with their card. However, if the response is “Yes”, the merchant seeks the transaction from the bank—the bank then approves the payment and notifies the customer of the order placement.
Keep in mind that the transaction involves sensitive information of a user, including bank and card details. Thus, the bank needs to be sure it is safe.