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Payment Gateways

A payment gateway is a piece of software or process that enables online validation and processing of credit card payments. When an online order is taken the gateway acts as your connection between the credit card information entered in your site and your merchant account. Payment gateways are not required. However, they do simplify the processing of payments.

LetMeShop gives you two integrated payment gateways to choose from. In addition we can custom integrate any payment gateway at a reasonable cost.

Verisign Payflow Pro: Verisign's PayFlow Pro provides maximum flexibility in both the merchant account you use and the capabilities of the software. Chances are Payflow Pro will work with the credit card processor of your choice.

Basic pricing for Payflow Pro is $295.00 setup fee and $59.95 per month for up to 1000 transactions. Additional transactions are billed at $.10 per transaction. For information on signing up for Payflow Pro contact sales@webtransitions.com.

GeoTrust QuickPayments Premium: GeoTrust's QuickPayments Premium provides a combination of merchant account and payment gateway . We have partnered with GeoTrust to give you a special setup fee and monthly fee for the service. While not as flexible as Verisign Payflow Pro, QuickPayments Premium is an excellent value. See GeoTrust for more information.

Please visit Let Me Shop for more payment gateways information.

Payment Gateway Services

Businesses around the world are increasingly harnessing the power and potential of e-commerce using internet technology to position their companies as technology savvy firms and to reach out to the global marketplace in a cost-effective manner. But the process of setting up the infrastructure for electronic commerce can be frustrating, time consuming and costly. Businesses will need to buy all the computer hardware and software, set up the telecommunication lines, take time to understand complicated IT jargon, apply for credit facilities with banks, and be on call 24 hours a day, just to be able to reach out to the region and the world.

Imagine the ideal scenario of a readily available payment gateway solution that has all the technological infrastructure, system capabilities, credit facilities and expertise in place; a one-stop solution that can help you set up your electronic Web-store, with no hassles, no fuss.

The HDFCBank payment gateway service can make this happen, effortlessly, efficiently, affordably. a one-stop shop for all types of transaction processing. Click on any of the services below for further details.

Business-to-Business

For Industries and Companies whose targets are suppliers, dealers etc who in turn reach the masses. Involves huge sum of monies. And the transactions are only by Direct Pay. Offer the #1 payment gateway solution to enhance your credibility.

Direct Pay Mode of Payment
For Retail companies whose end target is the consumer. The money is not in huge volumes. And involves Direct Pay transactions. Our Payment gateway services enable a web site to collect and transfer credit card information to a specific processing network.

More info about payment gateway services , visit hdfcbank.

Electronic Payment Gateway

What is an Payment Gateway

1.An electronic gateway is a company that validates credit card information in real time. This means they can normally catch stolen or invalid cards. A few days after the payment is made it is directly deposited into your nominated bank account.

electronic payment gateway

2.VP-ASP does not require that you use an electronic gateway but if you need one, then we support many of the major gateways in the USA, Australia, New Zealand and Europe.

Gateways are not associated with VP-ASP and we do not recommend any specific gateway.

Please visit Electronic to get your more electronic payment gateway.

Offer Credit Card, Ecommerce, Electronic and Internet Payment Gateways. about Payment Gateway information.

payment gateway

What is a payment gateway?

1. A payment gateway is a separate service and acts as an intermediary between the merchants' shopping cart and all the financial networks involved with the transaction, including the customers' credit card issuer and your merchant account. Think of it as a EFTPOS terminal in cyberspace. It checks for validity, encrypts transaction details, ensures they are sent to the correct destination and then decrypts the responses which are sent back to the shopping cart.

This is a seamless process and your customer does not directly interact with the gateway; as data is forwarded to the gateway via your shopping cart and a secure (SSL) connection. The shopping cart is configured via plugins to send information in a format that is acceptable to the particular gateway.

The proper choice of payment gateway is another vital element which will contribute to your success or failure as an online business

Since the payment gateway is the secure connection and transmission of the orders through to banking networks, it is independent of the interface (point of sale software or catalog/cart) that you use to transmit the order information through the payment gateway

How will I know when I have an order?

When using a payment gateway system in connection with the cart, you will receive all of your orders via e-mail. As a merchant you will receive 2 e-mail messages, the first is generated by the cart, and supplies you with the necessary information to fulfill the order, such as names, addresses, and items ordered. The second will come from your payment gateway, and will tell you the status of the order approval. You should wait to ship a product until you have received this order status message

What if the customer's payment method is declined?

If you receive a declined message from your gateway regarding an order, you will need to contact the customer and ask for alternative payment. The customer will not receive notification via e-mail of the approval status.

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What about the security of E-Mail?

All information pertaining to credit card payment is stripped from all e-mail before being sent out.

What are the most popular payment gateways ?

Card Service International, Verisign payflow.payment gateway allows you to submit a credit card

Cardservice international includes Linkpoint payment gateway

Payment gateways are necessary for online transactions to provide the secure connection for the transaction to take place. It is the payment gateway that allows you to submit a credit card and within a few seconds be told whether it was declined or accepted. LinkPoint API is one the most sophisticated levels of this service, enabling software companies, commerce service providers (CSPs), Internet service providers (ISPs) or cyber-wise merchants to add secure sockets layer (SSL) payment capabilities to their products, services or custom storefronts. Using the LinkPoint APIs, the Miva storefront product line has developed modules to support a seamless integration with their shopping carts. What this means to you the customer is a simple to configure payment gateway that is both powerful and affordable.

For the merchant who wants to get online fast with limited startup expenses and who currently does not have any form of online merchant account, then Cardservice International (which includes LinkPoint API) is the best choice. Since LinkPoint is already packaged in with the Cardservice International offering, it gives you the best ability to have your online store accepting credit cards quickly and affordably. If you already have your own online merchant account and only need a payment gateway, then VeriSign PayFlow Pro is the way go.

Payment Gateway Issues selecting a payment gateway service

As with any other ecommerce element, shop around, compare prices and read the fine print. Here are some of the major points to consider when selecting a payment gateway service .

- If you have already purchased a shopping cart package, ensure that the payment gateway service is compatible. If a service is not listed, contact the shopping cart vendor for clarification. Many vendors would be happy to support other payment gateway services if there is a demand for it.

- If you haven't yet selected a shopping cart, get a list of supported applications from the payment gateway service provider. A payment gateway may offer great pricing, but if the range of shopping carts or storefront software it supports is limited, the whole process of setting up for taking online payments may cost a lot more than you think. I've noticed some gateways only support horribly expensive and restrictive shopping cart software packages and services.

- Ensure the gateway at least offers AVS protection. The Address Verification System (AVS) AVS decreases the incidence of accepting fraudulent transactions by verifying the cardholder's billing address with the card issuer. Using AVS on your transactions may also benefit you by a reduction in fees charged by your Merchant Bank.

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- Check to see what other types of transaction protection are offered to you as a merchant. These will probably be 'premium' services, the charges added to the basic servicing fees, but dependent on your products may be absolutely necessary. If you are engaged in the sale of anything that is youth or technology oriented, it's probably a wise move to pay for the extra service as chargeback rates on fraudulent transactions can cost you around US$30 per incident! For a rather disturbing report and some strategies regarding this issue, view:

  • No Application Fees!
  • No Monthly, Statement or Gateway fees!
  • No Leases or term contracts to tie you down
  • Low Account Setup Fee
  • Low Transaction Fees
  • 30 Day Money Back Guarantee
  • No maximum or minimum sale levels
  • Secure Server online payments
  • FREE Direct Deposit of Funds into ANY US Bank Account
  • FREE Check Payment or Low Cost Wire to Non US Bank Accounts
  • FREE Shopping Cart included!
  • FREE Technical Support and Client Care!
  • No Equipment or Software Needed!!
  • Accept All 4 Major Credit Cards Instantly!
  • Accept Credit Cards 24 - 7
  • Accept online credit card payments from anywhere in the world.
  • Sell Products or Services, hardgoods and softgoods.
  • Recurring billing supported for memberships!
  • Works with Existing Shopping Carts
  • Instant Sales Notification!
  • Great for Simple or Complex Sites
  • Comprehensive Account Management Tools

What kinds of payment alternatives exist?

While credit cards are the leading method of payment for online purchases, offering multiple payment alternatives will bring improved convenience to your customers and increased confidence in your online business. credit card payment gateway The kinds of payment methods you provide will depend on your web site, your customers and your markets. For instance, in some countries, credit cards are not a common way to purchase online. Therefore, it is important to consider different payment alternatives for your international clients.

There are a number of alternative payment methods that exist, including the following:

Person-to-Person (P-to-P)

This transaction method enables payments to be made to an individual’s e-mail address without any need to send cash, cheque or use a credit card or chequing account. If you wanted to pay back a friend, that friend would only need an e-mail account to accept the payment. On the other hand, as a merchant, you require software that accepts P-to-P payments in order to receive funds. For instance, your customer has a P-to-P account, where he or she has deposited a certain amount of funds. The customer buys a product from your site and uses funds from his or her P-to-P account to pay for the purchase. Your web site will provide the customer with an option to pay through this method.

Electronic Cash/Digital Cash

E-cash is money that is converted to an electronic equivalent, and present either on a smart card, or on a consumer’s personal computer. The cash is normally used for making small purchases over the Internet.

Smart Cards

The smart card looks like a credit card, the biggest difference being it holds a chip that enables applications and data to be downloaded. Since it can store and process information, the card has the capacity to collect customer information as well as E-cash.

To use the card, the cardholder needs a PIN. To read the information on the card, a smart card reader is required. The reader is connected to the Internet, and enables the cardholder to transfer information from his or her computer to an online merchant’s site or from a point-of-sale terminal at retail stores. It also enables the card to capture data from other sources, such as the cardholder’s bank account. As a merchant, you require a smart card reader on your site to access payments from customers. payment gateways are necessary for online transactions

Digital Wallets

A digital wallet enables consumers to store their personal information online such as credit card and shipping details so they can carry their identity with them as they browse between sites.

A digital wallet comes in two forms - client-based or server-based. A client-based wallet requires that consumers download and install software on their computer. They input personal information into the wallet, which is secured and protected locally on their computer’s hard drive. When using a digital wallet, consumers will not be required to fill out order forms on each site they purchase from as the information required is readily available from their hard drive and automatically entered into the order fields of the online site.

A server-based wallet is acquired from a merchant’s site. When consumers complete a merchant’s Web form to make a purchase they are invited to sign up for a free wallet where they provide a username and password. The information they add to the Web form, including credit card number and shipping information, is stored on the merchant’s server or the merchant’s payment processor’s server. When consumers go to the same site to make a purchase in the future, their personal information is easily extracted for the purchase. The servers will have encryption security. As well, since certificates are used to verify the identity of all parties, the merchant is protected against fraud.

E-Cheque

An E-cheque is essentially an electronic version of the paper cheque, except it is created on a computer and processed via the Internet. To issue a cheque, a consumer uses an electronic chequebook issued by his or her bank, which displays all the same fields as a paper cheque. Before it is sent to the merchant, the consumer enters a PIN in addition to other required information and signs the E-cheque with his or her digital signature. The digital signature is stored with a bank so that the E-cheque can be verified as it moves through the payment process.

What types of payment gateways are there?

Payment gateways can be implemented through two methods. As a merchant, you can either house the gateway on your server, which requires installation of software, or you can choose to implement the payment gateway on your payment processing company’s server i.e. financial institution.

Housing the payment gateway on your site requires you to have appropriate security measures in place to encrypt and protect customer information. If you implement a payment gateway separate from the rest of your shopping cart solution, all the components will require configuration to ensure they work properly together, which can require high level technical capabilities. The advantage of housing your own gateway is that customer information can be collected in your database, enabling you to better manage your customers and site.

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If a payment processing company houses your payment gateway, then customer information will not be at your easy disposal. As well, since you do not gain access to customers’ credit card information, it is more difficult to track charge backs.

However, since the gateway is out of your hands, problems that occur are the responsibility of the payment gateway provider.

Continue to learn more info about payment gateway, please visit Vp Source.

Online Merchant Accounts: Listings

Below is the 'demo' version of the relevant page in our e-book.

Payment Gateways: Directories

Merchantworkz is no longer what it was, but you'll find good listings of payment gateways and credit card processing services in the directories below. Both are now very numerous, so first make a shortlist of shopping cart programs.

1. site. Some 100 payment gateways listed in this useful business database.

2. site. Over 120 payment gateways listed: search the database with 'payment gateway'.

3. site. Extensive listings but only broad searches seem possible with this database.

Payment Gateways

All merchant account providers require some payment gateway for their services to be operational, and the lists that follow are far from exhaustive. They do list the payment gateways most widely used by both shopping carts and MAPs, however, and that therefore offer the greatest choice in setups.

Payment gateways come in two styles. 1. The simplest is code (usually a secure order form) that takes the customer to a third-party site for credit card processing and payment into the merchant's individual merchant account. 2. A merchant-side API is code integrated into the server hosting your site: more difficult to set up, but providing greater feed-back. Some companies also supply software to allow manual (offline) processing of orders taken on the website.

Remember that costs of payment gateways are usually additional to merchant account charges, and are levied in some combination of: license fee, setup fee, monthly charge (which may vary with volume of sales) and/or individual transaction charge.

Costs may also (and confusingly) vary with the merchant account provider, the country where your merchant account is held, and even the shopping cart (some shopping cart programs offer special deals). The figures given below are therefore only a rough guide: you must with your particular setup before making a final choice.

Continue to learn more about online merchant accounts, please visit Ecommerce Digest.

Reliability, Security, and Speed

100% Uptime Reliability - The only credit card processing payment gateway service in the industry to achieve 100% uptime reliability.

How is this done? The answer lies in something that the designing engineers call "failover". There is no single point of failure in the system; processors are geographically distributed throughout the US, and client software automatically "fails over" between these processing nodes. Failover happens automatically, transparently, and instantly. Although individual nodes rarely go down (largely thanks to the incredible stability of open source software), the Internet itself is prone to instabilities and outages. But you'll never notice because your transactions will be processing.

Super Fast Speed - The fastest payment gateway in the Industry. Top names in the industry take 3 - 7 seconds to authorize a payment. This is practically eons in Internet time. Don't you think your organization should expect more?

Transactions are processed at an average of 1.2 seconds, including credit card authorizations and captures, ACH payments, and credits. An average of 1.2 seconds per transaction translates to "satisfied customers, fewer errors, and higher sales conversion rates for your business.

Serious Security - Last holiday season there was a record number of "cracked" credit card payment gateways, resulting in blackmail, fraud, and embarrassment for the merchants involved. Merchants who want to do business online would be wise to give proper weight to the importance of security.

Proper security is difficult and time consuming, which is why many gateways shirk in their responsibility and take the "easy way out". We believe in doing things right, and that means proper precautions must be taken. All communication (between your servers, TrustCommerce, the acquiring bank, and the issuing bank) are encrypted end-to-end with 2048-bit RSA public/private keypairs assuring server authenticity and invulnerability to man-in-the-middle attacks.

But that's just the beginning. Your customer's credit card or ACH account numbers are never stored in plain text, but instead encrypted before they ever hit the disk. We insist on using proven, open source software for all of our server software, from the OS to the database to the webserver. We realize the fallacy of security through obscurity, which is why we trust code that is subject to peer review and direct auditing.

More information about reliability, security, and speed, please visit OS Payments.

3-tier Payment Services

3-tier Payment Services: Secure Payment Gateway Delivered using Microsoft .NET and XML Web Services

Using Microsoft .NET and XML Web services, 3-tier Payment Service delivers a secure, reliable and robust payment gateway to help New Zealand businesses manage payments and other interactions with their banks. The Web service can be used from the desktop or from a mobile device. Today, New Zealand businesses can license the use of this XML Web service through their banks. secure payment gateway delivered using Microsoft .NET and XML Web Services

Eliminating the Banking Integration Pain

Businesses hoping to link enterprise applications with their banks have historically faced a long, expensive and painful learning curve before they could integrate banks' proprietary interfaces. This pain is today being reduced for businesses taking advantage of a new Web service being offered by 3-tier Payment Services.

Tim Muhundan, of 3-tier Payment Services, recalls how complex payment solutions used to be: "Our first complex integration took more than two weeks to complete and another month before it was certified. Further, the interfaces in the market were primarily developed for Web based eCommerce sites - so they did not provide sufficient robustness and security demanded by enterprise applications.

.NET Delivers, Reducing User Complexity

3-tier.com made the strategic decision to develop its own XML based payment gateway, in consultation with Microsoft New Zealand and ETSL (which is part owned by four of the country's leading banks). The services are aimed at enterprises wanting to access banking services from their call centre or CRM systems.

"Using the Microsoft .NET Framework and Visual Studio .NET, we reduced the complexity and developed an XML Web service payment gateway that is simple to integrate with, but retains the desired security, reliability and robustness demanded by the bank," he said.

In 2001, ETSL certified the Web service, making it the first Paymark-certified XML Web service in New Zealand for use by four main banks for payments.

Darryl Roots, Business Development Manager at ETSL says "3-tier's offering is available to business customers of ASB BANK, Bank of New Zealand, The National Bank and Westpac."

Kiwi Businesses Share Business Benefits

Muhandan says that since the company launched the service, businesses of all sizes are using the XML Web service, reducing costs and increasing productivity.

"Many of our large customers want to integrate their back-end call centre or CRM system to the bank via our XML Web service."

Mark Holmes, IT manager at Millennium Institute of Sport and Health, says, "We process every single credit card transaction (including Point of Sale and recurrent payments) through the XML Web service. And because the XML Web service is totally integrated with our CRM system we get a unified view of our customers and their transactions from a single interface. The banks are very happy because the credit card numbers of one off transactions are not cached in the database - as they are processed instantly."

Richard Elliot, Head of Learning Technologies at UNITEC, adds how UNITEC used the 3-tier XML Web service to enable registration for the 19th International ASCILITE conference at UNITEC in Auckland.

"We considered this payment solution a critical element in the successful registration of over 150 delegates. The registration interface was integrated with the Bank and has operated successfully for the past four months. We are now rolling this out to other departments at UNITEC."

Luigi Cappel from the NZ Smartphone and PDA Academy accesses the payment services from his PDA. Cappel is very enthusiastic about the value of the XML Web service for his business. "I was wasting so much time before: Ringing the bank for authorisation with every credit card order, then queuing up the next day with deposit slips and reconciling the transaction report back from the bank. Now I save so much time and money."

"The beautiful thing about using the XML Web service interface is that I can access it A3 (anywhere, at any time and from any device)" says Luigi.

Want to read more about 3-tier payment services, please visit Microsoft.

Cyphermint Introduces New Payment Gateway

August 17, 2004, Marlborough, Massachusetts - Cyphermint introduces the "PayCash™ System Payment Gateway", a new easy to install electronic payment solution for the online merchant that wants to accept cash payments and attract the un-banked customer. This innovative payment gateway, utilizing PayCash System technology, will enable merchants to integrate PayCash System on their eCommerce website quickly and effortlessly. In a matter of hours, online merchants can accept electronic cash transactions securely using the payment gateway. The payment gateway information is available for download at www.paycash.us.

The Cyphermint Payment Gateway provides an easy-to-use merchant payment solution over the Internet. The PayCash System Payment Gateway offers 1,024-bit encryption, does not require an investment in hardware or software, and easily integrates into existing eCommerce payment structures. The Cyphermint PayCash System provides the most complete Internet payment system for B2B and B2C eCommerce and is designed to fight the high incident of fraud and identity theft.

"Our Payment Gateway provides PayCash System security, eliminates charge backs and is ideal for virtually any size merchant. The payment gateway handles cash payments ranging from micro-payments to multimillion-dollar transactions," said Joseph Barboza, President and CEO of Cyphermint. "Merchants using our PayCash System can now get all our security and sell to consumers without a bank account, simply and quickly".

Cyphermint provides the industry's most secure global electronic cash payment and eCommerce infrastructure solutions on the market. Our global solutions focus on kiosks, Internet cash payment, and next-generation stored value cards. The heart of Cyphermint's solutions is the Cyphermint PayCash System. The PayCash System provides unparalleled security and anonymity between parties as well as lower transaction costs. Most important, Cyphermint's PayCash System provides immediate clearing of payments without the risk of chargebacks or fraud and substantially reduces the cost of doing business, therefore increasing the Return on Investment (ROI).

If you need more info about payment gateway, please visit Cypher Mint.

Shift4 Corporation Leads Payment Gateway Industry in Reliability

Leading Hotel, Restaurant, Retail and eCommerce Organizations Rely on $$$ ON THE NET® to Process Credit, Debit and Gift Card Transactions

Las Vegas, NV (PRWEB) July 29, 2004 -- Shift4 Corporation’s $$$ ON THE NET solution, the leading web-based e-payment gateway solution with real-time electronic payment authorization, settlement, reporting and fraud control capabilities, reported over 99.99% system availability in the first and second quarter of 2004. This is also in line with the system reliability and availability for the whole of 2003.

Payment processing gateways such as $$$ ON THE NET connect merchants’ point-of-sale and property management systems to the banks and processors. Should a gateway be down, customers are unable to receive immediate authorizations through their point-of-sale. Either information has to be kept and run at a later date – leaving the organization open to fraud – or voice referrals must be received. Voice referrals, where the clerk calls into the processor and reads the credit card data over the phone, are time consuming and costly, both in customer satisfaction and transaction costs.

“We work with a lot of establishments - hotel, restaurants, order processing companies, even retail stores – that are open around the clock. Their customers perform transactions every minute of every day, so it is important that their payment processing solution is available 24 hours a day. We understand that and take every precaution possible – complete redundancy, load balancing, testing and so forth – to ensure that our system is there whenever they need us,” stated J. David Oder, President & CEO, Shift4.

“We're quite pleased with $$$ ON THE NET. With our old bank system, we had days when we had to manually find and process 300 transactions lost over the weekend. Now we don't have to worry about it. Our transactions are in the system every morning at 8:30 when we come in and they're still there in the evening when we audit and settle,” stated Michael Fink, Assistant Controller for the Wheeling Park Commission.

The only system downtime that occurred in 2004 was a pre-scheduled 3-hour window during which Shift4 brought live its new state-of-the-art data center. A second data center, with an even larger load capacity, will be brought online later this year, though no downtime will be associated with that go live date. Together, these two, completely redundant data centers will bring Shift4’s system availability close to its ultimate goal of five-nines (99.999% availability), or in layman's terms, less than five and a half minutes of downtime per year.

About Shift4 Corporation

Shift4, a leading developer of financial transaction processing software and services, provides web-based, real-time enterprise payment solutions for leaders in the hospitality, retail, foodservices and e-commerce markets. Through connectivity to most of the major processors, including Vital Processing Services, Global Payment Services, Fifth Third Bank, NDC Canada, First Data Corporation, American Express, Paymentech, Nova Information Systems, Chase Merchant Services, Bank of America, First Horizon Merchant Services and Heartland, $$$ ON THE NET provides both high speed and low cost authorizations and settlements for credit, debit, check, private label and gift card transactions. $$$ ON THE NET also includes the ability to access, review and edit transactions prior to settlement, as well as a searchable, 24-month archive of transactions for reporting and charge back defense. Shift4’s solutions are designed to integrate with virtually any POS/PMS system and interface partners include MICROS, RunIT, Aloha, Retail Pro, Smyth Systems, Digital Dining, Spa Soft and InnQuest. Shift4’s $$$ ON THE NET application and data center are acknowledged by Visa USA as compliant with their Cardholder Information Security Program (CISP), and are also compliant with MasterCard’s SDP and American Express’s DSOP.

Please visit Pr Web to get your more payment gateway industry.

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