The Payment Gateway provided refers to the technical infrastructure allowing a compliant financial Transaction from the source of funds to the Settlement account of client. In this connection, we have access to networks of licensed financial institutions which can be used by client to enable the Payment Gateway to execute the payment Transaction from payer account to the Settlement account in a compliant manner.
Usually, these networks of licensed financial institutions consist of domestic bank networks or switches which allow real-time payments such as INTERAC of Canada, Single Euro Payments Area (SEPA) of Europe, POLi of Australia and New Zealand, among others. Furthermore, these networks should have highly advanced Merchant management tools in order to be Payment Card Industry (PCI) compliant, and certified processing platforms with real-time monitoring and reporting.
The Payment Gateway has customizable and extensive risk management tools with features such as account validation, doublet check, plausibility check, black-list and white-list, ticket size restriction, fraud attempt cache, velocity check, dispatcher, address normalization, and Client notification, among others.
The Payment Gateway has both industry standard tools and in-house developed tools for authenticating consumers through 3DSecure, email, short message service (SMS), bank account or credit card authentication via micro deposit, and e-invoicing.
The Payment Gateway has periodically scanned databased for various indicators and important notifications for matters such as Chargeback rate per Bank Identification Number (BIN), correlation between account and other Client data, and correlation between account and email.
Upon request by Merchants, the Payment Gateway can integrate with external risk management with Third Party Service Providers such as:
- Afendis Risk Check
- CEG Creditreform
- Deltavista Risk Check
- Deutsche Post Direct
- Fine-Trade
- Gatekeeper Risk Monitoring
- Infoscore (eScore)
- Intercard 4Safe
- Retail Decision (RED)
- Schufa
- Telego!
- Threat Metrix Risk Checks
- Alirisk
The Payment Gateway has highly customizable views for PARTNER’s management portal for easy administration of PARTNER’s day-to-day operations.
The Payment Gateway accommodates a wide range of payment options such as credit card, domestic and international debit cards, European direct debit, online bank transfer, e-wallet (PayPal, Alipay, WeChatPay, among others) and mobile Payment Schemes.
The Payment Gateway accommodates payment frontend, virtual terminal, and bulk processing with highly flexible and recurring rebilling, and registration services.
The Payment Gateway opens more opportunities through Business-to-Business (B2B) payments for B2B sites.