Installation of Payment Gateways
A payment gateway can be called the relay between the e-Commerce merchant account affiliated website (online shop) and the merchant bank, which is also connected to a large network of credit card issuing banks. One of the other main functions of credit card processing payment gateways, besides communication, is encryption. A payment gateway uses SSL 128-bit encoding technology to encrypt and decrypt all the data being sent through it. Safety and security in online credit card processing is a very vital point. Without encryption all the credit card holder’s data could be stolen and used illegally.
Understanding how a payment gateway works is important as, for example, why and where an error occurs that may lead to unsanctioned use, malfunction, etc. Thus, we bring you a brief step-by-step working cycle of a typical (no auxiliary/external verification/encoding/protection systems engaged) payment gateway:
» A cardholder/customer orders a product or service at an e-Commerce merchant’s website by clicking the Order or Send to Shopping Cart buttons.
» The cardholder is taken to an automatically generated (by an integrated shopping cart script) order form, where he/she is asked to provide the credit card details and the shipping details.
» After clicking the Submit Form button at the bottom of the form(s) all the data is encrypted (SSL 128-bit) by the cardholder’s web-browser, a key is generated and passed on, along with the details, to the e-Commerce merchant’s payment gateway.
» The payment gateway (if function available and switched on) decrypts some of the information (only for statistical usage, no credit card details are held), re-encrypts it and forwards it to the e-Commerce merchant’s acquiring bank.
» The acquiring bank forwards the data to the credit card issuing bank for verification and authorization.
» The issuing bank sends a so-called response code back to merchant bank, and the latter sends it to the payment gateway. This response code is used to denote any error that might have had occurred during the verification or transaction process.
» If everything is in order the credit card is billed and, usually, at the end of the day the funds are transferred to the merchant bank, where they are safely deposited until the payout day.
» The e-Commerce merchant’s website also generates feedback based on the response code received by the payment gateway. Some of the codes may be interpreted as: Your card has been billed, Error. Insufficient funds and so on.
The whole process takes only a few seconds. The important part that payment gateways play in online credit card processing is evident and must never be underestimated. Make sure that you get a secure and stable payment gateway with flexibility and third-party options.
Some of the more efficient and widely used payment gateways are mentioned below:
» Authorize.net
» Verisign Payflow Pro
» Verisign Payflow Link
» Authorize.net:
Features-
1) Fraud Prevention
» An amount filter that sets upper and lower value limits for "acceptable" sales.
» A velocity filter that limits the number of transactions that can be received per hour from a given customer.
» An address mismatch filter that detects instances in which billing and shipping addresses differ.
» An IP filter that isolates suspicious activity from one IP address.
» A suspicious transaction filter based on Authorize.net's own criteria.
» IP blocking functionality, which allows you to block the IP addresses of known frauds.
2) Recurring Billing- Supplying your customer’s credit card details, billing amount, payment interval, the length of the subscription and a recurring billing account is created.
3) eCheck Processing- This is a robust and full-featured system with many capabilities.
4) Choice of APIs- This is one of the strongest features of Authorize.net: merchants are able to choose between two different integration methods for the same price. You can switch methods at any time, and all features are available regardless of which method you choose.
The available integrations methods are:
» The Simple Integration Method (SIM): Not surprisingly, this is easiest method to set up, with virtually no programming, and no SSL certificate, required. Your secure order page is hosted directly on Authorize.net's secure server, but it can be customized to match the look and feel of your Website.
» The Advanced Integration Method (AIM): This method allows programmers to make the checkout process completely seamless and transparent. Customers never leave your Website, as transactions are conducted server-to-server, behind the scenes. This method gives you complete control over the front-end, and your customers' experience of your site.
» Verisign Payflow Pro:
Features-
1) Recurring Billing- The Payflow Pro recurring billing feature is pretty standard, but does offer a very useful feature: an API (application programming interface) from which a recurring billing profile can be created. So, for example, you can have your Website automatically create a recurring billing profile for you during a customer's online registration. For Web hosting or other subscription-type services where new users sign up through your site, this can be quite a time-saver.
The Payflow Pro gateway also is capable of sending out automated custom emails. You can send your customers email receipts for their records or send them a notice that their card was declined and that they need to make new payment arrangements for failed transactions. Reporting is also available for billing transactions and individual customer profiles.
2) Fraud Prevention- Verisign has two different fraud prevention services
(i) Basic Package
» High dollar value filter
» High item number filter
» Shipping/billing mismatch filter
» AVS failure filter
» CSC failure filter
» High risk zip code filter
» Freight forwarder filter
(ii) Advanced Package
» Product watch list filter
» High risk BIN filter
» Account number velocity filter
» US Postal Service address verification filter
» IP address risk list match
» Email service provider risk list match
» Geo location failure
» Bad list filter (credit card & email address)
» High risk country filter
» International shipping/billing address filter
» International IP address filter
» International AVS filter
» Total purchase price floor filter
Verisign offers an interesting feature in Account Monitoring. Essentially Verisign employees monitor your sales looking for suspicious transactions. If they notice one, they investigate it to determine whether the sale is truly legitimate or fraudulent. If the sale appears to be fraudulent, they prevent that sale from being settled, and contact you to discuss the transaction further. To use this feature, you must already be registered with the Basic or Advanced Fraud Prevention Packages.
Lastly, Verisign offers a Buyer Authentication program for merchants who wish to utilize Visa's Verified by Visa and/or MasterCard's SecureCode technologies. To use this feature, you must already be registered with the Basic or Advanced Fraud Prevention Packages.
» Verisign Payflow Link:
Features-
1) Recurring Billing- Unlike its more robust Payflow Pro brother, Payflow Link does not offer an API through which you can set up new recurring billing profiles. All recurring billing profiles must be set up manually through a control panel. Payflow Link includes the same email and reporting capabilities as Payflow Pro. See Payflow Pro for more information.
2) Fraud Prevention- (same as Verisign Payflow Pro)
PayPal Integration is a core area of expertise of our programmers. We have delivered a number of websites that use the PayPal.com for accepting payments online.
PayPal is one of the most popular payment gateway services available on the web today. With over a million active users, it has a well defined API called PayPal IPN. If you are looking for experienced programmers in this area, contact us now! We have a lot of experience and can provide you with integration services.
There are two basic methods of integrating your e-commerce solution with the Paypal gateway:
» Generating the payment button and using it as part of your checkout process. This is a quick solution that we can deliver to you within one business day.
» Processing via PayPal IPN (the callback mechanism that transmits payment details to you). This is used by high volume online retailers who want to store customer details on their own website rather than at PayPal.
Our programmers have thorough knowledge of both the PayPal integration methods and can easily implement it on your website or, for your ecommerce shopping cart. If you would like references of previous work done by us in these areas, please contact us at ___{our site address}_____.
The integration with PayPal will be typically completed within 24-48 hours depending on your requirements.
Our pre-made scalable, portable scripts allow us to deliver this service in a variety of scripting languages like PHP, Perl, .NET and ColdFusion. We can deliver your custom PayPal integrated solution very quickly and efficiently.
Google Payment Gateway
Google Checkout payment gateway integration is a payment gateway provided by Google Inc. for ecommerce transactions, online purchases and online transaction. Intend users store, online shopping cart store their credit or debit card and shipping details in the Google Account to make purchases. With Google Checkout integrate services can quickly and easily buy from online stores across the world and track all orders and shipping in one place without creating multiple accounts. Fraud protection is also another distinct feature of Google Checkout Payment Gateway.
Shoppers using Google Checkout payment gateway can sell with total confidence as Google Checkout´s fraud protection program. With Google Checkout payment gateway integration, there is no monthly setup or gateway service fees if the user advertises with Google AdWords.
In Google checkout payment gateway integration, as a buyer, one must have a Google account to use the google Checkout service, and the signup asks for the detail like address, phone number and usual details on a major credit card. This is one time formality, and then the buyer is ready to check out online purchases with just a couple of clicks in google checkout payment gateway integration.
Google Checkout payment gateway integration helps increase sales as it more effectively turns the traffic into buying clients. With Google Checkout, the purchasing information of each Checkout user is stored in a single account. With e-commerce and online shopping increasing at exponential rates, it is essential that your shopping cart is integrated via a well known Google checkout payment gateway with your merchant account. It is good to get the payment before you ship.
We can do the Google checkout payment gateway integration with your shopping cart so that you can easily process credit cards on your website. All you need to do is let us know which service you are using and we will do the rest of the work. Our programmers are familiar with most popular payment gateways and their APIs (Application Programming Interfaces). You will not be required to do any coding, as we can handle the complete payment gateway integration process. Google checkout payment integration process is available in ASP (Active Server Pages), .Net (Visual Studio .Net), PHP (Hypertext Preprocessor), Java 1.5, Java 1.4
ANZ & NZ Payment Gateway
ANZ and NZ payment gateway Integration is one of the core area of expertise of our programmers. We have delivered a number of websites that use the ANZ and NZ payment integration for accepting payments online gateway.
ANZ and NZ payment gateway has Competitive pricing packages can be customized to your ecommerce business needs. ANZ and NZ have no additional equipment associated with this facility as it is accessed through a merchant's PC or IVR system. ANZ and NZ have batched transaction option available using Administration mode.
We can provide the ANZ and NZ payment gateway integration with your shopping cart so that you can easily process credit cards on your website and ecommerce website. All you need to do is let us know which service you are using and we will do the rest of the work. Our programmers are familiar with most popular payment gateways and their APIs (Application Programming Interfaces). You will not be required to do any coding, as we can handle the complete payment gateway integration process.
Protx Payment Gateway
Protx payment gateway Integration is one of the area of expertise of our programmers. We have delivered a number of websites that use the Protx integration for accepting payments online gateway.
Protx has Competitive pricing packages can be customized to your ecommerce business needs. Protx has no additional equipment associated with this facility as it is accessed through a merchant´s system. Protx has transaction option available using Administration mode.
Our programmers can do the Protx payment gateway integration with your shopping cart so that you can easily process credit cards on your website. All you need to do is let us know which service you are using and we will do the rest of the work. Our programmers are familiar with most popular payment gateways and their APIs (Application Programming Interfaces). You will not be required to do any coding, as we can handle the complete payment gateway integration process.
