eCommerce
Accepting payments online or integrating
real-time transaction capability into software systems has
quickly become the norm for today's business world. This product,
which is called Payments
Gateway, is designed for
the eCommerce retailer or other types of business enterprises
who chooses to direct traffic to a transaction gateway. This
easily and transparently integrates within the merchant's
web site or software with a minimum amount of development.
This interface is a welcome opportunity for eCommerce retailers
to bond a payments solution for electronic checks and credit
cards within a web site along with the versatility of a VIRTUALTerminal.
Conducting transactions apart from your website along with
settlement and transaction reports are at the fingertips of
the merchant with point and click ease. One size fits all
with the Payments Gateway
as it is designed both for the small merchant and the larger
enterprise.
This innovative relationship unleashes dot-com infrastructures
while growing value-added content with convenience and practicality.
The Payments Gateway bundle streamlines the development paradigm
while achieving a high level of consumer and merchant confidence.
As a tool for eCommerce and software this application has
multiple attractions of ease-of-use and uncompromised security.
FEATURES
- Transactions are securely transmitted
utilizing three encryption standards for secure file transmissions.
PGP (Pretty Good Privacy) is one method that many have some
familiarity with. Triple DES (Data Encryption Standard)
is a more secure, followed by AES (Advanced Encryption Standard)
recognized as the most secure of all
- Verification - Authentication that
utilizes our exclusive real-time ATMVerify
service to validate the identity of the originator of each
electronic check transaction by posing confidential questions
to the transaction originator. As a back up our DIRECTVerify
service is also available in case an account is not in the
ATMVerify
network
- Account number scrubbing and account
number translation / formatting
- The ability to validate against proprietary
negative files
- The ability to perform a file check
in adherence with "velocity" parameters set by
the merchant
- The ability to validate ABA routing
numbers to catch institutions that do not participate in
the ACH and to translate / repair routing numbers and account
numbers as needed to minimize administrative returns
- Credit cards are processed in real-time
using the latest cardholder verification methods including,
AVS (address verification service) and CVV2 (cardholder
verification value) to reduce instances of fraud
- Development guides are catered towards
the programmer to allow flexibility with multiple capabilities
for both real-time and batch transactions
- Both credit card and electronic check
testing platforms for developers
- Access to transaction data including
settled and rejected items with all appropriate response
codes relating to credit card or electronic checks
For a demonstration of the ecommerce
transaction gateway please click the following link:
eCommerce DEMO.
To sample the VIRTUAL Terminal
click on the following link: VIRTUAL Terminal DEMO.
For developers please contact us and we will provide your
company the necessary integration guides to link your clients
website or your software to our system.
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