Business Requirements Specification (BRS)

Document for eCommerce Payment Gateway

Integration

1. Introduction

1.1 Purpose

The purpose of this document is to outline the business

requirements for integrating a Payment Gateway into
the eCommerce platform. This integration will enable
secure, seamless, and real-time payment processing for
customers to complete their orders on the platform. The
payment gateway will facilitate various payment methods
such as credit cards, debit cards, digital wallets, and
other third-party payment systems.

1.2 Scope

This document covers the integration of the payment

gateway for processing payments, ensuring the following
functionalities:

 Secure payment processing for orders placed on the

eCommerce platform.
 Support for multiple payment methods (credit/debit
cards, digital wallets, etc.).
 Real-time payment status updates.
 Secure transmission of payment data.
 Handling refunds and chargebacks.
 Integration with the order processing system to
update order status post-payment.
 Handling failed payments, retries, and errors.
The system will integrate with a third-party payment
gateway (e.g., Stripe, PayPal, Razorpay, etc.) to facilitate
payment processing.

1.3 Audience

This document is intended for:

 Business stakeholders (product owners, finance

team, customer support team).
 Technical stakeholders (developers, IT team,
payment gateway providers).
 Project managers.
 Quality assurance team.
 Security team.

2. System Overview

2.1 System Description

The Payment Gateway Integration system is designed

to securely process payments for customer orders placed
on the eCommerce platform. It will interact with a third-
party payment service to authorize payments, process
transactions, and notify the system of the transaction
status. This will enable the eCommerce platform to
update order statuses (paid, failed, etc.), ensure that
financial transactions are secure, and handle refunds
when required.

2.2 Functional Areas

 Payment Gateway Integration: Integration with

third-party payment processors.
  Transaction Authorization: Secure authorization
of payments.
 Payment Confirmation: Real-time communication
regarding payment status.
 Refund Management: Ability to process refunds
and handle failed transactions.
 Order Status Updates: Updating order status after
payment confirmation.
 Security Compliance: Ensuring payment data
security and compliance with standards such as PCI-
DSS.
 Transaction Reports: Generating reports for
financial reconciliation.

3. Business Requirements

3.1 Customer Requirements

 Payment Methods:
o Customers should have the ability to pay for
orders using multiple methods, including:
 Credit/debit cards (Visa, MasterCard, etc.)
 Digital wallets (PayPal, Google Pay, Apple
Pay, etc.)
 Bank transfers
 Cash on delivery (COD) (optional for specific
regions)
 Secure Payment Processing:
o The system must ensure that customer payment
details are transmitted securely using encryption
(SSL/TLS) to prevent data breaches.
 Real-Time Payment Status:
 o Customers should receive immediate feedback
regarding payment success, failure, or any
errors encountered during the payment process.
 Order Confirmation:
o After successful payment, customers must
receive an order confirmation along with details
of their order and an estimated delivery date.
 Payment Retry and Error Handling:
o If a payment fails, the system should allow
customers to retry the payment using the same
or a different method.

3.2 Admin Requirements

 Transaction Monitoring:
o Admins should be able to view all payment
transactions processed through the gateway,
including payment status (success, failure,
pending), transaction ID, and payment method
used.
 Refunds and Chargebacks:
o Admins should be able to initiate refunds for
customers from the admin panel, and the
system should handle transaction reversals.
 Reconciliation Reports:
o Admins should be able to generate financial
reports detailing the payments processed,
including successful payments, pending
payments, failed transactions, refunds, etc.
 Payment Gateway Configuration:
o Admins should be able to configure the payment
gateway settings, such as enabling/disabling
payment methods, setting up API keys, and
managing integration credentials.
4. Functional Requirements

4.1 Payment Gateway Integration

 Payment Gateway Provider:

o The system must integrate with one or more
third-party payment providers (e.g., Stripe,
PayPal, Razorpay, etc.).
o The integration should support multiple payment
methods, including credit cards, debit cards,
digital wallets, and any other relevant payment
options.
 API Integration:
o The system must interact with the payment
gateway API to:
 Process payments.
 Handle payment confirmation and failure
responses.
 Perform refunds when requested by
customers or admins.
 Transaction Details:
o The system must send transaction details
(amount, customer info, order ID, etc.) to the
payment gateway for processing.
o The payment gateway should return a success
or failure response with relevant transaction
details.

4.2 Payment Authorization

 Transaction Authorization:
o The system must send payment details to the
payment gateway for authorization.
 o The gateway will validate the payment method,
check for available funds, and process the
transaction.
 3D Secure Authentication:
o The system should support 3D Secure (3DS) for
credit card transactions to provide an additional
layer of security.

4.3 Payment Confirmation

 Success/Failure Notifications:
o The payment gateway must send a notification
back to the system with the result of the
payment (success, failure, pending).
o The eCommerce system must update the order
status based on the payment result (e.g., "Paid",
"Payment Failed").
 Order Confirmation Email:
o Upon successful payment, customers should
receive an email confirmation containing their
order details, payment status, and an estimated
delivery date.

4.4 Refund Management

 Refund Requests:
o Admins should be able to initiate refunds directly
from the admin panel.
o The system should send a refund request to the
payment gateway, which will process the refund
and notify the system of the status.
 Refund Status Updates:
o The system should update the order status to
"Refunded" once a refund is successfully
processed.
4.5 Error Handling and Payment Retry

 Failed Payments:
o If a payment fails (e.g., insufficient funds,
expired card), the system should inform the
customer and allow them to retry the payment.
 Error Logging:
o Any payment gateway errors must be logged for
investigation by the technical team.

4.6 Security Compliance

 PCI-DSS Compliance:
o The payment gateway integration must be PCI-
DSS compliant to ensure secure handling of
payment card data.
 Encryption:
o All payment-related data, including credit card
details, must be encrypted during transmission
(using SSL/TLS) to prevent data breaches.
 Tokenization:
o Sensitive payment data (such as card details)
should be tokenized, meaning the payment
gateway should store the actual payment details
and return a unique token to the system for
processing.

5. Non-Functional Requirements

5.1 Performance

 The system must handle up to 100,000 payment

transactions per day without performance
degradation.
  Payment processing should occur within 2-5 seconds,
depending on the payment method.

5.2 Security

 The payment gateway must follow industry-standard

security protocols, including encryption, tokenization,
and compliance with PCI-DSS.
 All customer payment information must be securely
handled and never stored on the eCommerce
platform.

5.3 Usability

 The payment process should be user-friendly, with

clear instructions and easy-to-navigate options for
customers.
 Payment error messages should be clear and
informative, guiding customers to resolve issues
(e.g., insufficient funds, incorrect card details).

5.4 Availability

 The payment gateway should have high availability

(99.9% uptime) to ensure that transactions can be
processed at any time.

5.5 Scalability

 The system should be able to scale as the

eCommerce platform grows, handling increased
transaction volumes during peak periods like sales or
holidays.

6. User Interface (UI) Requirements

6.1 Payment Page

 The payment page should be easy to navigate with

the following:
o Payment method selection (credit card, PayPal,
etc.).
o Secure form for entering payment details (card
number, expiration date, etc.).
o Option to save payment method for future
transactions.

6.2 Admin Dashboard

 Admins should have a clear interface to view all

payment transactions, including:
o Transaction status (success, failure, pending).
o Refund requests and their statuses.
o Payment method details.
o Payment error logs.

6.3 Error/Failure Page

 In case of payment failure, customers should be

shown a clear error page with actionable steps to
retry the payment or choose an alternative payment
method.

7. System Integration

7.1 Payment Gateway API

 The eCommerce platform will integrate with the

payment gateway’s API for payment processing,
transaction status updates, and refund handling.
7.2 Order Management System (OMS) Integration

 The payment gateway will communicate with the

order management system to update order statuses
based on payment outcomes (paid, failed, refunded).

7.3 Refund and Chargeback Integration

 The payment gateway should integrate with the

system to allow seamless processing of refunds and
chargebacks.

8. Data Requirements

8.1 Database Schema

 Payments: Payment ID, order ID, customer ID,

payment method, transaction status, transaction
amount, transaction date/time, payment gateway
transaction ID.
 Refunds: Refund ID, order ID, refund status, amount
refunded, refund transaction ID, reason for refund.

8.2 Data Security

 All sensitive payment data should be encrypted both

in transit and at rest. Payment data must not be
stored in the system.

9. System Constraints

 The payment gateway must support transactions in

multiple currencies if the platform operates in
various regions.
  The integration must adhere to legal and regulatory
standards, including tax compliance and regional
financial laws.

10. Acceptance Criteria

10.1 Functional Acceptance

 The system should successfully process payments,

update order statuses, handle refunds, and send
notifications upon successful or failed payments.

10.2 Non-Functional Acceptance

 The system should be secure, scalable, and perform

optimally under high load.

11. Glossary

 Payment Gateway: A third-party service that

facilitates the processing of online payments.
 PCI-DSS: Payment Card Industry Data Security
Standard, a set of security standards for handling
payment information.