Credit Card Integration

Credit Card Integration allows you to accept credit card payments on your web page in real time with complete automation. Any customer surfing your website for services or products can place an order at the same time and their credit card is automatically charged, without any intervention on your part.

At its most basic level, interaction between a web page and the system through the Simple Credit Card Integration Method takes the following form:

• Customer navigates through your website and selects his required serivces or products he would like to purchase.
• He places an order of his product online. He enters their card details using an automatic phone answering service. Customer's web browser encrypts the information to be sent between the browser and the merchant's webserver.
• The merchant then forwards the transaction details to their payment gateway.
• The payment gateway which receives the transaction information from the merchant forwards it to the processor used by the merchant's acquiring bank.
• The processor forwards the transaction information to the card association (i.e., Visa/MasterCard)
• The card association routes the transaction to the correct card issuing bank.
• The credit card issuing bank receives the authorization request and sends a response back to the payment gateway (via the same process as the request for authorization) with a response code. In addition to determining the fate of the payment, (i.e. approved or declined) the response code is used to define the reason why the transaction failed (such as insufficient funds, or bank link not available)
• The merchant submits all their approved authorizations, in a "batch", to their acquiring bank for settlement.