Our internet credit/debit acquiring solution provides the acquiring bank and merchants conducting electronic commerce with a cost-effective and robust way to process payment card transactions received from their customers in real time.

 

The solution will support the most advanced features required by merchant acquirers and online customers, such as:

• Online verification and processing of credit and debit card transactions
• Purchases via direct debit facilities for bank customers, provided our solution is connected to the core banking application
• Purchases via eWallets, virtual customer electronic wallets
• Virtual Terminal for Mail Order, Telephone Order processing (MOTO)
• Access to Payments via WEB, SMS & IVR
• Informed decision making business intelligence application
• eCRM suite
• Merchant Loyalty Management Solution
• Risk and Fraud Management
• NMAS & MATCH (Individual & Bulk)
• Multiple Currency support
• Visa 3D Secure Support
• Single and Batch authorizations
• Digital certifications for merchant sites
• Merchant Management

Our solution supports the following financial instruments and Internet payment methods:

• MasterCard
• Visa card
• Any proprietary card
• Debit Cards (Using the eWallet)
• Direct Account Debits (Using the eWallet)

Any other credit card type or a payment instrument would be implemented according to the requirements of the Bank.

The process flow for a transaction through our Internet Payment gateway in a snapshot is as given below :