Get Started
Before merchants can start accepting credit cards as payments for their goods and services, they must first have a finished and fully functioning web site. Merchants should then apply for a merchant account.
Integration
Once the merchant account has been approved, the merchant will receive a merchant ID. It will go with a plug-in software to be used with your web server. When a customer enters credit card data on the merchant's website, the data will be passed to our gateway for payment processing. All credit card transactions that occur on the merchant's website would be logged in our database.
Authorization
Our gateway application will filter the information for fraud, and then send to the credit card network for authorization or decline of the charge by the customer's card issuing bank. If the transaction is approved, an authorization code will be returned to the merchant's website and the transaction is complete. This process takes about 3-5 seconds.
Settlement
The authorization code is used to settle the amount of the transaction. The credit card network would exchange information with the settlement authority to confirm the transaction. In turns, the settlement authority would request a fund transfer from the customer's card issuing bank to the merchant's bank. The overall payment process is now complete.
Reporting
Merchant can view transaction results through a real-time reporting system in a password protected Merchant Administration web interface. That means merchants can view real-time transaction anytime of a day via any regular web browser.
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