#integrated payment gateways

A Payment Gateway is a merchandising service provided by an e-commerce service provider that authorizes credit payment or direct payments through Net Banking for e-business.  Payment gateway facilitates a payment transaction by the transfer of information between a payment portal (such as a website, mobile phone or interactive voice response service) and the front end processor or acquiring bank.

Payment Gateway Process:When a customer orders a product from a payment gateway-enabled merchant, the payment gateway performs a variety of tasks to process the transaction.

1.       Customers place order on website by pressing the 'Submit Order' or equivalent button, or perhaps enters their card details using an automatic phone answering service.

2.       If the order is via a website, the customer's web browser encrypts the information to be sent between the browser and the merchant's webserver. In between other methods, this may be done via SSL (Secure Socket Layer) encryption. The payment gateway may allow transaction data to be sent directly from the customer's browser to the gateway, bypassing the merchant's systems. This reduces the merchant's Payment Card Industry Data Security Standard (PCI DSS) compliance obligations without redirecting the customer away from the website.

3.       The merchant then forwards the transaction details to their payment gateway. This is another (SSL) encrypted connection to the payment server hosted by the payment gateway.

4.       The Integrated Payment Gateways for Tech Support converts the message from XML to ISO-8583 or a variant message format (format understood by EFT Switches) and then forwards the transaction information to the payment processor used by the merchant's acquiring bank.

5.       The payment processor forwards the transaction information to the card association (I.e.: Visa/MasterCard/American Express). If an American Express or Discover Card was used, then the card association also acts as the issuing bank and directly provides a response of approved or declined to the payment gateway. Otherwise [e.g.: MasterCard or Visa card was used], the card association routes the transaction to the correct card issuing bank.

6.       The bank receives the authorization request, verifies the credit or debit available and then sends a response back to the processor with a response code i.e. approved, denied. Meanwhile, the credit card issuer holds an authorization associated with that merchant and consumer for the approved amount.

7.       The processor forwards the authorization response to the payment gateway for tech support.

8.       The Best Performing Gateway receives the response, and forwards it on to the website where it is interpreted as a relevant response then relayed back to the merchant and cardholder.

9.       The entire process typically takes 2–3 seconds.

10.     The merchant then fulfils the order and the above process can be repeated but this time to "Clear" the authorization by consummating the transaction. This results in the issuing bank 'clearing' the ‘authorization’ and prepares them to settle with the merchant acquiring bank.

11.     The merchant submits all their approved authorizations, in a "batch" to their acquiring bank for settlement via its processor.

12.     The acquiring bank makes the batch settlement request of the credit card issuer.

13.     The acquiring bank subsequently deposits the total of the approved funds into the merchant's nominated account (the same day or next day). This could be an account with the acquiring bank if the merchant does their banking with the same bank, or an account with another bank.

14.     The entire process from authorization to settlement to funding typically takes 3 days.

Our Payment Gateway Features:

·         Best customer service

·         Lowest  transaction rate in the industry

·         Secure verification

A payment gateway is an ecommerce service that processes credit card payments. Payment gateway facilitates transactions by transferring key information between payment portals such as web-enabled mobile devices/website and the front end processor, bank.

Hosted and integrated are two major types of Payment gateway for tech support and for other high risk businesses.

INTEGRATED PAYMENT GATEWAYS:An Integrated Payment Gateway directly connects to your tech support or ecommerce website through the gateway’s provided API. Paying through integrated payment gateway, customer submit all the details and all the information directly passes to server of gateway before the confirmation and processing of the payment from the customer’s account to merchant’s account. The advantage of integrated payment gateway is that customers never need to leave the shop to submit the payment information. It is a free payment process.

HOSTED PAYMENT GATEWAY:Hosted payment gateways are like a third party service provider that redirects customer to payment processer’s website and allow check-out and at the time of payment customer has to submit all his details with right information for a successful transaction.

And  once a customer paid, he or she will be redirected back to your website for completing the checkout process with Hosted payment gateway merchant securely accept payment through credit  and debit cards without storing the information on their website. The biggest advantage of the payment gateway is that offsite service provider is fully responsible for data, security and PPC compliance. You don’t need to worry about compliance related issue or security standards to product the online transaction.

Another downside of hosted Payment Gateway is that, despite it’s easy to setup and suitable for new online stores, it perhaps affects the conversion ratio, especially if the customer is not familiar with the payment processer that you have invite to host on your website.

 GLOBAL PAYMENT GATEWAY:Global payment are fixed dollar payments for the care that patients may receive in a given time period, such as a month or year. Global Payment Gateway for Tech Support  typically are paid on pre-patient basis, they do not vary with the actual amount of services that are delivered.

 ENTERPRISE SOLUTIONS:Enterprise solutions are designed to integrate multiple face of a company’s business through the interchange of information from various business process areas and related databases. These solutions enable companies to retrieve and disseminate mission-critical data throughout the organization, providing managers with real-time operating information

 GLOBAL MERCHANT SOLUTIONS:Merchant service is a board category of financial services intended for use by businesses. In its most specific use, it usually refers to merchant processing services that enable a business to accept a transaction payment through a secure channel using  the customer’s credit card or debit card or NFC/RFIED enabled device.

 OUR WEBSITE SERVICES:-

ONLINE PURCHASE - We provide online purchasing from different website, between this steps we act as mediator between clients and customers.

TIE UP DIFFERENT BANKS - In the payment gateway section we have tie-up different banks. We provide safe and secure payment gateway.

EASY INTERFACE - Easy interface Gateway is i.e. - platform that provides an easy interface for customers to make payment and get assured between each others