About payment processing info, include the Online Event Registration Services, Payment Solutions, Accept Credit Cards Online, Payment Solutions etc
Accept Credit Cards Online
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E-commerce has become much easier in recent years, as web site operators have
gained ready access to online check and credit card
payment processing services
. Sites that can accept credit cards online certainly attract much higher
levels of business. Credit cards must be processed through a merchant who has
a "merchant account". These are fairly easy to obtain in the United
States, but can be more difficult for international web sites. However, it is
also possible to get into web-based business without your own merchant account,
and new business both in the US & abroad find it easier to engage the services
of another company to process orders for their goods and services.
Online Payment Processing
Accept credit cards without your own merchant account:
The simplest way to get launched in e-biz and handle payment processing is
to sign up for a service that will process orders for your products or services
for you. For example, if you sign up with XYZ Ltd to handle your transactions,
your customers will go to a secure page at WYZ.com where the credit card order
is processed; their credit card bills will show a charge to XYZ Ltd. Once the
credit card is charged and order process completed, the customer is returned to your site.
Technically, you engage 2checkout as an "authorized retailer" of
your goods and services. This service is an excellent choice if you sell services,
products, or charge memerbship fees - recurring billing is supported, too!
2CheckOut.com will sell your goods and services for a $49 setup fee and no monthly
minimum charges. Their fees are $0.45 per transaction plus 5.5% of the transaction
amount. There is no term contract and they will begin accepting orders for your
goods and services within minutes. Technically, you engage 2checkout as an "authorized
retailer" of your goods and services. This service is an excellent choice
if you sell services, products, or charge memerbship fees - recurring billing
is supported, too! International merchants and customers are welcome, with payment
processing available in 12 currencies. Credit Card purchases accepted within minutes
for a low one-time fee and instant set up, Click Here
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BizHosting includes credit card processing through a third-party merchant account
as part of its website hosting service. Along with automatic approval for credit
card processing for US-based businesses, you get shopping cart software and web-based
e-mail. Their rates start at $21.95 per month for complete e-commerce packages
that include web hosting, shopping cart software, and credit card processing.
Credit card transactions are subject to a low per transaction fee by ProPay. Get
a merchant account and a website for as low as $21.95 per month when you host
your site at BizHosting - E-commerce made Easy!
PayPal is one of the pioneers of internet credit card processing without a
merchant account. There are no set up fees, and the basic transaction costs are
very low: $.30 plus 2.2 to 2.9%. It's a very easy way to facilitate payment and
it has a wide international program. You can set up individual buttons to sell
specific items from your web site or use their shopping cart features. International
merchants are welcome and multiple currencies supported. Setup takes a few days
as they verify your banking and credit card information. PayPal also allows for
a "trial period" that delays the actual processing of the credit card
- useful if you want to let your customers try your out services for a 30-day
free trial, for example. Get started for free - no setup fees!
Get your own merchant account to accept credit cards paymentonline:
 As
your business grows, you might consider getting your own merchant account for
processing credit card charges, as the fees are generally a little lower.
Electronic Transfer Inc. - free application and instant online set up for credit
card processing. Their fees are very low priced: 2.18% plus $0.29 per transaction,
and $19.95 in monthly fees. For US citizens with a physical business address in
the US. Merchant Accounts with no application fee
AMS Merchant Accounts offers internet and in-store merchant accounts for realtime
payment processing. Low credit card processing fees: 2.25% and $0.30 per transaction
plus $20 in monthly fees. Authorize.net gateway software required to be pruchased for $99.
 Merchant
Express provides a low cost merchant account credit card processing service and
free shopping cart software. For internet transactions, the costs are $10 per
month plus 2.28% + $0.30 per transaction for processing and verification. Real
time Internet processing requires their software and gateway services at an extra cost.
Accept checks online:
paybycheck.com offers a different option for Online Payment Processing
- with their service you can accept checks for payment. Funds are deposited directly
in your existing bank account. Setup fees are $99, monthly charges are $39.95,
plus there is a per check charge as well. Only works with US based checking accounts.
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Payment Processing Service
The georgia.gov payment processing services
(PPS) is a reliable, secure credit card payment service that allows customers
to manage application functionality in-house and provides the cost savings and
rapid deployment of a hosted payment processing service. Below are useful links
to reference materials concerning the PPS. Some of the documents are provided
in Portable Document Format (PDF). To view these documents you must Get Acrobat
Reader available for free on Adobe's official Website
Request Service
When your agency is ready to move forward using georgia.gov PPS, your GTA account
manager will help you get started.
| Office of Treasury and Fiscal Services |
All state entities that wish to accept credit
card payments must follow the Credit Card Policy found at the OTFS site. Go to
"About Us" and click on "Credit Card Payments" to find the
Request for Credit Card Approval and Merchant Account Setup forms. |
| Payment Processing Administration Tool User Manual
|
With the Administration Tool, a user can handle
all administrative functions and manage the transactions associated with the PPS.
(PDF, 23 pages, 468 KB) |
| Payment Processing Overview |
Explains the concepts involved with online payment processing
and how the concepts relate to the georgia.gov Payment Processing Service. (PDF
361 KB, 26 pages) |
| Payment Processing Service Fact Sheet |
A description of the reliable, secure credit
card payment service offered as a georgia.gov Service. (PDF, 163K) |
| Portal Developer's Kit |
Technical information for developers using georgia.gov. |
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Payment Solutions
GEMISYS Financial Services offers comprehensive payment processing services
that are customized according to your specific requirements.
Our areas of expertise include:
| Production |
Data received electronically (multiple formats available)
Electronic and paper transactions separated
ACHs initiated and verified
Check run completed and verified
Additional client materials printed
Checks and client materials inserted
Envelopes sorted for maximum discount and mailed
Production files sent to client
Reject notification
Bank reconciliation
Stop payment/check reissue |
| Reporting |
Web access to monitor check status, request reissues, stop payments, photocopies, etc.
Custom hard copy management reports
Daily clearings include stop payments, reissues and outstanding checks
Monthly account statement
Returns tracking |
| Other Available Services |
Call center capabilities with dedicated 800 number
Tax compliance and reporting (1099 production, if required)
Full service printing capabilities
Materials warehousing |
How you will benefit!
Flexible, One-Vendor payment processing solutions
— GEMISYS utilizes state-of-the-art information processing, printing, assembly,
distribution and tracking systems, providing all services under one roof. At the
heart of our service is the seamless integration of our payment processing capabilities
into a flexible, comprehensive solution.
Maximum Control — Count on GEMISYS to develop a funds disbursement package
that eliminates your company’s exposure to costly error, fraud and delay.
Operating under strict quality assurance and security controls, our job is to
save your organization time and money, while freeing your people to concentrate
on your core business objectives.
Value-added Capabilities — GEMISYS offers a wide variety of value-added
services to meet all your secure information processing needs. Our printing capabilities
include custom offset, laser and MICR formats.
Quality Service — Every member of the GEMISYS team shares a commitment
to quality and professionalism in all our business endeavors. You benefit from
our responsive, respectful attention to your needs at every step of the funds
disbursement process.
[ Continue to read more about Payment Processing, please visit gemisys.com]
Online Event Registration Services
Whenever a payment is required as part of registration, the online form will
automatically total the amount owing by each participant based on the selections they make.
Early bird pricing can be set up to automatically change at a set date and
time and member/non-member prices can also be set.
We offer five different ways to handle payment collection. Event Planners determine
the options available on their registration forms.
| Cash |
Participants paying by cash will see a screen showing the total they owe and
instructions about how to make their payment after they submit their registration.
These details can also be sent to participants via email. When the event planner
receives the payment they can update the online payment report.
|
|
Cheque
|
This option works in a similar way as paying with cash except participants will see instructions about how and where to send their cheques.
|
| Request an invoice |
Some organizations may require an invoice before making payment. If this is
the case, the event participant can select the invoice option and have one automatically
generated for the amount due sent via email. The Online Payment Processing
report will show which participants have requested an invoice and how much they owe.
|
| Credit Card Automatic Real Time Transactions |
When using this method for handling credit cards, transactions happen in real
time. From the online from, participants enter their credit card information and
click “submit”. Within a few seconds they know if the transaction
is approved or declined. Results of each transaction are automatically recorded
in the event database along with the rest of the information from the registration
form. The event participant will receive an electronic receipt via email.
Real time credit card processing requires an online merchant account. The client
has the option to open their own online merchant account with their bank and an
account with a gateway company (a gateway company is required to facilitate the
transactions) or use ePly’s merchant and gateway company accounts. When
the client is using their own merchant account, funds will be deposited directly
into their bank account. If ePly’s merchant account is used, the funds will
be deposited into ePly’s account and then transferred to the client once
per month along with a statement of transactions.
The main advantage of real time transactions is that it eliminates the manual
processing of credit cards. The cost of automatic processing is made up for with
the savings in labour and in the added convenience.
|
| Credit Card - Manual Transactions |
With this method credit card transactions are not processed at the time online
registration takes place. When participants submit their online registration,
all of the data they entered except for the credit card information is sent to
the event database. Credit card information is encrypted and emailed to the client
to avoid storing credit card numbers on a web server.
The encrypted email that is sent to the client includes the credit card number
and expiry date, name on the card and amount owing. Using an application provided
by ePly, the client deciphers the transaction details and processes the transaction
as if the information was obtained via phone or fax. After processing, the client
is able to update the online database with the status of the each payment to keep
the database up to date.
The main advantage of this method is that an online merchant account is not required
(a standard merchant account that many businesses already have is sufficient)
and processing fees may be slightly lower. The disadvantage is that manual labour
is required to process each transaction. Depending on the number of expected transactions
and the availability and cost of labour this may be a good option.
|
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Pegasystems to support payments processing for Fin-Force
September 6, 2005 Pegasystems Inc., the leading provider of smart business
process management (BPM) software, today announced that Fin-Force, the joint venture
between KBC Bank, DZ BANK and EDS, has selected Pegasystems Smart Investigate
for use within its international payments and operations area.
Fin-Force supplies outsourcing capabilities to financial institutions worldwide.
As its customer base has grown, many of which are now utilising web self-service
to inquire about the status of transactions, Fin-Force has now upgraded to Pegasystems
Smart Investigate on the PegaRules Process Commander BPM platform.
Smart Investigate can resolve any type of transaction exception by querying
and retrieving details from any transaction database. It handles the receipt and
processing of incoming messages, sends outbound correspondence in SWIFT and other
formats, searches for related transactions, and automates decisions and processes
around compensation claims and adjustments – without the need for manual
intervention. By delivering the power of intelligent automation, the solution
framework dramatically improves exceptions-related customer service, while increasing
operational efficiency and reducing financial risk and exposure.
Eddy Bex, CIO of Fin-Force, said: “As our customer base grows, it was
essential that we could continue to deliver the very best payment processing to
our customers. Pegasystems has proven to be able to deliver highly effective
payment processing solutions
and its BPM technology will enable us to continue to grow our business across
the banking sector.”
David Wells, vice president and managing director of Pegasystems Europe, said:
“We are delighted with Fin-Force’s continued commitment to Pegasystems’
platform. This is further recognition of the company’s BPM technology and
expertise in the banking sector.”
ENDS
About Fin-Force (www.fin-force.com)
Fin-Force was founded in 2000 by KBC, the leading Belgian banking and insurance
group, and EDS Belgium, subsidiary of a leading global technology solutions provider.
Since March 10, 2005 also DZ BANK became a shareholder of Fin-Force. Fin-Force
currently offers end-to-end payments processing for the KBC Group and other banks.
Initially serving KBC Bank, Fin-Force has gradually increased its service offering
and expanded its customer base to include other KBC Group companies (CBC Banque,
KBC Nederland and KBC London), handling end-to-end domestic and international
payments processing, including such auxiliary services as claims and investigations
handling and the reconciliation of interbank accounts. Around the turn of the
year, Fin-Force will also start processing international payment transactions
for the German service provider Transaktioninstitut für Zahlungsverkehrs-dienstleistungen
AG (TAI), which is mainly owned by DZ BANK.
About Pegasystems
Pegasystems Inc. (Nasdaq: PEGA) provides software to automate complex, changing
business processes. Our Business Process Management (BPM) solutions provide organisations
with the agility critical to managing growth, productivity and compliance. Our
solution unifies pure-play BPM software with a sophisticated Business Rules Engine
to drive business effectiveness. This patented technology enables organisations
to "build for change" and overcome the execution gap that occurs as
evolving business objectives outpace the ability of business systems to respond.
Pegasystems’ BPM suite offers standards-based technology built in a rapid-solution
development environment. Our BPM solution combines the capability to solve a full
range of business process challenges with the opportunity to leverage existing
technology investments. By enabling business process responsiveness, Pegasystems
makes it easier for people and systems to work together.
Pegasystems’ award-winning BPM suite is complemented with best-practice
solution frameworks based on more than 20 years of experience helping Fortune
500 and other leading corporations in the financial services, insurance, healthcare,
manufacturing and government markets.
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payment processing Press Release Article
BankWest and First Data Form Australian Alliance for Enhanced Merchant Acquiring
Services; First Data Rolls out Financial Institution Partnering Program for Merchant
Services to Provide Nationwide Growth Opportunities
SYDNEY, Sep 06, 2005 (BUSINESS WIRE) -- In a first for the Australian financial
services industry, BankWest, a member of the HBOS Australia group, and First Data
Corp. (NYSE: FDC) have formed an alliance for merchant acquiring services in the
Australian market.
The new alliance, BWA Merchant Services, enables BankWest's business division
to deliver the best merchant proposition to Australian customers, and provides
a solid platform for continuing the growth of this business across Australia.
The alliance is responsible for providing the full range of acquiring services
for BankWest merchants and their acceptance of debit, credit cards and other forms
of electronic payments. In addition, it further supports First Data's global strategy
of partnering with leading financial institutions to further develop their merchant
services business.
BWA Merchant Services combines the benefits of BankWest's local market knowledge
and existing merchant relationships with First Data's extensive merchant services
experience and expertise. Going forward, the alliance will provide BankWest's
merchants with access to world-class products and services.
First Data has been successful in growing the credit card acceptance business,
and helping its financial institution partners to grow and increase the profitability
of their acquiring operations. It is one of Australia's leading independent electronic
commerce and payment services provider with more than 30 years' experience in
payment processing.
"BankWest and First Data have complementary strengths and expertise. The
alliance creates a compelling processing solution for merchants in Australia,"
said Greg Nash, managing director of First Data International in Australia, New
Zealand and South Asia.
BankWest's decision to form this alliance reflects the growth strategy of its
UK-based parent, Halifax Bank of Scotland plc (HBOS). Together, HBOS and BankWest
are executing a growth strategy to become a major force in the Australian financial
services industry by providing customers with competitive, market-leading products,
backed by consistent and reliable service. First Data has a long-standing relationship
with both BankWest and HBOS.
"We saw an opportunity to leverage the international relationship our
parent has with First Data, and look forward to fully utilizing the new partnership
to explore upcoming opportunities and bring our customers a range of world class
product and service enhancements in the near future," Paul Clark, Chief Executive
Officer, BankWest Business said.
Mr. Clark added: "The transition will be seamless for merchants. They
will continue to receive the high level of service they have come to expect from
BankWest, and benefit from the addition of new services and enhanced functionality."
It is anticipated that the business will move to First Data's merchant processing
platform over a period of eight months.
The financial terms of the contract were not disclosed.
About First Data
First Data Corp. (NYSE: FDC) is a leading provider of electronic commerce and
payment solutions for businesses and consumers worldwide. Serving 4.1 million
merchant locations, 1,400 card issuers and millions of consumers, First Data powers
the global economy by making it easy, fast and secure for people and businesses
around the world to buy goods and services using virtually any form of payment.
The company's portfolio of services and solutions includes credit, debit, private-label,
smart and stored-value card issuing and merchant transaction processing services;
money transfer services; money orders; fraud protection and authentication solutions;
check guarantee and verification services through TeleCheck; as well as Internet
commerce and mobile solutions. Western Union and its subsidiary, Orlandi Valuta,
together make up one of the world's largest money transfer networks with approximately
233,000 Agent locations in more than 200 countries and territories. The company's
STAR Network offers PIN-secured debit acceptance at 1.7 million ATM and retail
locations. For more information, visit www.firstdata.com.
About BankWest Business
BankWest Business provides a full range of core and specialist business banking
products and services to all business market segments from small business to large
corporates. From market leading transaction and investment accounts through to
flexible business loans and sophisticated Financial Market and International Trade
products, BankWest is committed to making a meaningful difference in the financial
services marketplace. The bank's energetic approach and attitude aims to reject
the status quo and present a significant challenge to the conventions and the
competition. BankWest has developed units of expertise in a number of specialised
industries such as Aged Care, Agribusiness, Franchise and Pharmacy which is supported
by specialist Relationship Managers and lending guidelines.
BankWest has been around for more than 100 years and has assets of more than
$29 billion. BankWest is part of the HBOS Australia Group, a wholly owned subsidiary
of HBOS plc, one of the UK's largest financial institutions.
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