Payment Gateway Solutions

Payment Gateway Solutions : Payment Gateway refers to an e-commerce service that authorizes payments for e-businesses & online retailers. In a way, it represents a physical POS (Point-of-sale) terminal located at most retail outlets. Payment gateways encrypt sensitive information, such as credit card numbers, to ensure that information passes securely between the customer and the merchant.

Types of Payment Gateways : The Payment Gateway is needed to be acquired by the owner of the site and the integration of the same in to the website is performed by us. There exists various types of Payment Gateways, some of which are mentioned below & since it requires varying amount of effort in integrating; so cost for integration of each Payment Gateway varies accordingly, starting from the minimum amount of Rs 5000

Working of Payment Gateway : Though it may sound simple but actually the entire working of a payment gateway comprises of multiple complex steps; a brief of which is given below : Visitor places the order on the website and it is sent to the merchant's web server in encrypted format. This is usually done via SSL (Secure Socket Layer) encryption. The transactions details are then forwarded to the concerned Payment Gateway. The transaction information is then passed on to the merchants acquiring bank by the Payment Gateway. Merchants acquiring bank then forwards the transaction information to the issuing bank (one that issued the credit card to the customer). Then the card issuing bank sends a response back to the Payment Gateway. The response includes information that whether the payment has been approved or declined. In case of declination the reason is also sent in the response. The response is then forwarded by the Payment Gateway to the merchant's server. At merchants server the response is encrypted again and is relayed back to the customer. This allows the customer to know that whether the order has been placed successfully or not. The entire process typically takes less than 5 seconds. At the end of the bank day (or settlement period), the acquiring bank (or card issuing bank) deposits the total of the approved funds in to the merchant's nominated account.

Send enquiry : The Payment Gateway Integration service provided by us comes with unmatched features. Try us, we guarantee you that you wont be disappointed.

Why is Payment Gateway needed? Payment Gateway holds the essence of any e-commerce site. One cannot think of making or receiving on-line payments without a Payment Gateway. Payment Gateway basically refers to an e-commerce service that authorizes payments for e-businesses & online retailers. It, in a way, represents a physical POS (Point-of-sale) terminal located in most retail outlets. Payment gateways encrypt sensitive information, such as credit card numbers to ensure that information passes securely between the customer and the merchant.

A2Z Computex is one of the few companies that provide complete ecommerce setup for businesses. It does not matter in which business you are in, we can design and implement an ecommerce solution that is perfect for you and is cost effective too. A2Z Computex can also setup a shopping cart for your website and integrate the payment gateway to accept credit cards from your customers. All the credit card transactions will be credited into your bank account within 72 working hours after you capture the payment.

We process the following payment options : Credit cards of Master Card Visa and Diners Net banking of ICICI Bank, Axis Bank, Citibank, HDFC Bank & Jammu & Kashmir Bank ITZ Cash card Debit card options of Citibank, Axis Bank, Corporation Bank , Deutsche Bank, HDFC Bank, Indian Overseas Bank, ING Vysya Bank, Karur Vysya, State Bank of India.

Terms and conditions : Set up fees should be paid in advance in favour of A2Z Computex Churu Service tax of 10.3% is applicable on all charges. This may vary as per government rules and regulations Minimum Balance of Rs. 2,000 has to be maintained with EBS The Minimum Withdrawal amount for the Merchant from his account with EBS will be Rs.2,500/ Annual Maintenance Charges along with service tax will be deducted from first transaction amount or thereafter accordingly. There is no need to open a separate bank account for acquiring funds. Funds will be transferred to your existing current account of your bank branch if it is participating in NEFT (National Electronic funds transfer). Please check here ( to know for your participating branch. If your bank is not among those listed here, cheque will be sent to you by courier every Saturday and the dispatch details of the same will be emailed to you. EBS will settle transaction payments on weekly basis. Transactions captured till Thursday midnight will be considered for settlement on or before following Monday

Benefits : Your own Merchant Account. Easy installation and integration with all major shopping carts. Your company's name in the customer's Credit Card statement. Online accounting module to manage transactions in real-time. Verisign 128 bit SSL encryption for enhanced security. Robust Risk Management Tools.

Key Features :
Easy, Secure and Speedy online payments with EBS Payments gateway
Single platform to process Credit cards, Netbanking & Cash card options
100 % server uptime with Multiple payment acquiring options
Seamless integration process with most order processing applications
User friendly system with detailed Reports for easy reconciliation
Secured environment with 128 Bit SSL Certified by VeriSign & Hackersafe
PCI Data Security Standards 1.1 Certified Systems & Architecture
Advanced Anti Fraud systems - Mastercard Secure Code & Verified By Visa enabled gateway
Advanced Fraud detection tools with Risk Monitoring system
Brand /Organization Name in Credit Card statements
Authorize-Capture / Cancellation with Partial Refund & Capture facilities
Online Bill & Payment collection facility for pending orders
Vital Technical & Operational support to enjoy uninterrupted services
Weekly payment settlements to Merchant's own bank accounts

Procedure to enable online payment options on your website :
Send application to us by email with Set up fees
On receipt of Application & Setup fee, our Approval team will evaluate the application and revert back to you on the approval, within 3 working days
On approval, complete list of documents to be submitted to us for processing your A/c. will be intimated. Payment will only be refunded in 7 days only in case of rejection.
We will send you test integration kit for integrating & testing it with your website.
Your A/c. will be processed in 10 working days from receipt of required agreement.
After processing of your account, EBS will generate a Login ID for your Website.
Login ID will be given to you after intimation of successful completion of test integration process & live request, from your end.
Merchant Not Accepted
Adult Sites, Internet Casinos
Pyramid Sales, Lottery Tickets
Music Downloads (if the company is having good track record we can consider)
Subscription Services (if the company is having good track record we can consider)
Sending of Money/Cash Advances
Alcohol, Firearms & Drugs
Goods/Services prohibited by law or card associations
MLM sites
Software Downloads (if the company is having good track record we can consider)
Subscription for Religious Organisations
Dating / Friendship
We can also integrate credit card accepting facilities from any provider like PayPal, World Pay, ICICI Bank, Citi Bank .. with your web site.

Benefits for you? Now the geographic distances are no more a barrier in your Growth. Forget the distances, you have the magic lamp of ecommerce now, which will take you to your destination.

Cost - Cost Vary According to Customer Need