6 Best Security Guide for Your E-Micropayment System

Introduce to Security Guide for Your E-Micropayment 

The internet in this fast-paced era is a hub of a wide range of activities. Many big and small businesses today are based on the internet. This involves selling and buying products, services through the internet and thereby making payments of the same. These payments don’t always need to include a large sum amount. Here, the role of the Micropayment System comes into the picture.

The payments processed or made in the electronic made are commonly referred to as the E- payments. Similarly, as explained in the earlier section, it is not that the charges to be paid will always be in massive amounts. Therefore, in layman’s terms, the small sum of amounts paid via electronic mode are called E- Micropayments. There are numerous places on the internet today where this system has gained the central position. The system comes with its pros and cons. But one thing that is required is to look for Micropayment security at every stage.

The importance of E- Micropayment systems have unified the digital space in terms of making sales and subsequent payments. Throughout the globe, this system is utilized for a long time to make users’ lives easy. There were methods for the transfer of macro payments, but exclusive attention was paid to the micropayments through this method.

Here, we have prepared the complete guide based on thorough research, covering all the E- Micropayment aspects.

What is an E-Micropayment system?

The financial transactions made via online methods but are of minimal amounts are known as E- Micropayments. These are done for various purposes across the globe. Some of the purposes for which these E- Micropayments are made can be downloading an application, purchasing a game, tipping online, taking any other form of service, or purchasing content based on the web.

It is different from the conventional methods of payments and utilizes an entirely different system. Dealing with micropayments is not plausible for credit card firms, and this is where E- Micropayments’ system comes to the rescue. The sum amount is usually less than a dollar in the case of micropayments.

Two ages of Micropayments have been primarily recognized throughout the globe. The first wave lasted till the 1990s, and the second continued to exist around the beginning of the year 2000.

The way to define the E- Micropayments may vary across the globe and its size as utilized by multiple companies. The development of these systems can be traced back to the past decade and has been slowly taken up by the users today. The system is employed more by the developed countries and is gradually reaching the developing countries as well. As most of the payment methods are created considering the value amount as five dollars and above, there was a need for specific attention to the transactions of amounts lesser than that.

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It came up as the other source of revenue for those who serve the content beyond the advertising. This particular system works with a balanced relationship between a client, a vendor, and the intermediates. Both the vendor and clients have their accounts with the mediators. The invoices are provided to the clients, and the credits are made to the vendors, which is how the entire system works. These are so much more advanced and well managed than the conventional methods and have settled a broad base within the users.

Ways of managing E-Micropayment systems

It is certainly not an uncomplicated task to manage the E- Micropayment systems. There are primarily two ways in which these kinds of payment systems are handled. The first one is via an online management system in which the vendor double-checks the payment with the authorized bank, which the client initially sends.

This step is performed beforehand, much before the vendor caters to the client. Though on the contrary, there is the offline method which is more pocket friendly. In this method, the double expenditure is avoided via the help of an executed operation from the past. This method focuses on no help from any authorized bank.

Since the current technologies have emphasized exposure to the digital world, the consumers preferred operating their finances via E- Micropayments’ feasible system. This system has its perks as it involves less risk and is much more convenient. It has a flexible nature, so it has established a great image within the digital users.

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There can be multiple approaches to support this system between the vendor and the client. Three main ways through which it can be done involve both parties making mutual understanding on one of the established micropayment systems and present it globally. Another approach consists of coming up with a new micropayment system and then giving it to the world.

The next approach is about taking the help of an already existing one and linking them with each other. All these approaches are trending globally and are agreed upon by most people. Methods also differ, keeping in view the security you want to opt for your E- Micropayment system.

Issues and Challenges in Micropayment

Along with the myriad benefits that the E- Micropayment systems offer, there are related challenges that need to be dealt with appropriately. The wide ranges of challenges are presented both before the creators construct the micropayment system and then come to the real challenge. The next hefty challenge is convincing people to use the system and make micropayments using it and explaining to them the E- Micropayments’ benefits.

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The range of technological challenges that are presented usually comprises of the following:

1. Challenges related to security and the SSL Certificates’ importance:

Micropayment security has emerged as a significant concern recently. Whenever there is a threat surrounding the system, the E- Micropayment system’s security becomes a savior. The stronger the measures utilized to secure the system, the better the system will deal with the attack. Security is perceived differently by both the clients and the vendors.

On one hand, the clients see security as a legit promise to deliver their products for which the payments have been made. On the other hand, vendors see security when they receive the money for the product delivered.


Here, the SSL Certificates play a vital role as it shows the reliability by displaying HTTPS. Numerous SSL Certificates are available today and should be bought only from legit providers. Before providing web security to customer, it is necessary to choose the right SSL certificate for the website as there are multiple options available in the market. For example, Single Domain, Domain Validation SSL certificates, Multi-Domain SSL, Wildcard SSL Certificates, OV SSL Certificate, etc. You can choose any from them as per your website structure.

2. Challenge of scalability:

One of the E- Micropayment aspects show high reliance on the intermediates. These mediators are bound to perform multiple functions like keeping the accounts, transferring the cash coins, ensuring security so on and so forth. The mediators will have to come up with scalability via token-based systems, which have its shortcomings.

3. Challenge of authenticity:

Authenticity is another critical issue with the micropayment systems. These systems employ cryptographic methods, yet the factor of authenticity is highly questionable. The attacks are still not uncommon despite the system designed with precision. In cryptographic and operational practices, there is an emergent need for confidentiality. Attention should be paid to problem-solving by the companies.

4. Challenge of confidentiality:

The factor of privacy in the E- Micropayment system’s secure operation plays a significant role. It is seen that the vendors are provided with the desired amount of confidentiality, and it is not received appropriately by the clients. The security level must be high to be positioned higher than the current ones.

Along with it, there are financial challenges to it.

5. Extra amounts on every transaction:

It is usually seen that the companies operating in this sphere have massively failed in keeping the costs on every transaction low. This is one of the main challenges to the E- Micropayment system.

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6. A mentally tiring process:

The fact that the entire process requires tedious activities like picking certain products based on the prices they are available or not. This is undeniably a challenging task in addition to record-keeping.

The architecture of an E-Micropayment system:

The client and the seller (vendor in this case) require a properly framed architecture for the smooth operation. An efficient browser at the client end, a module effectively establishing communication with the system, and single or multiple e-wallets are required. On the other hand, the seller requires an HTTP Server.

The architecture should be designed to keep functioning properly without posing any risk or disintegration in regular functioning. It should be able to serve all the essential functions as and when required. It should satisfy both the parties’ needs on either end and easily fulfill the transactions of lower values. Through a good architecture, the work operations become smooth in the digital sphere.


This era of technological advancement is successfully giving its reflection in all the spheres of life. It has changed the perspective of people and their ways of doing things traditionally. The system of payment used and utilized by them is one of its aspects. There were times when the conventional methods were most popular, and now the Micropayment system for lower value transactions has replaced the previously existing system. It is the need of the hour to operate in the current system to keep their game top-notch in the ever-evolving digital sphere.

Along with the perks that the micropayment systems have to offer, it comes with a few threats and challenges. The challenge or issue of security is one of the primary challenges the user and the vendor’s face. This can be successfully dealt by installing an SSL Certificates on your website. Other than this, the challenge of confidentiality and reliability are the major ones. The economic challenges are also worth pondering in these cases. It involves the mental challenge as well as the costs to be paid on different transactions. It requires a lot of effort and careful planning, and time management to succeed in this field.

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