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Payment Gateway

Payment Online's Payment Gateway services have been proven and time-tested since 1997, serving more than 40,000 customers throughout the world.

This powerful and robust payment gateway system can process transactions in 2-3 seconds, has multiple security layers, and offers unmatched flexibility for customization and integration with almost any platform available today.

Features include:

   
All transaction types supported, including authorization only, authorization with capture, void, and credit
All credit card types supported
Full recurring billing system with billing options management
Multi level subscriptions (tiered subscriptions and membership)
Recurring billing transactions can also trigger a postback if needed
API can be implemented within HTML order pages
Transactions can be sent through CGI payment gateway by https POST or software script
Back office integration
Duplication order checking system
Click here for additional features
   

The Payment Online's API offers some very unique features, including among others, the ability to include user defined fields that can be passed through in a postback and stored as user defined fields in the database and administrative order management system.

   
Payment Gateway Features
How easy is the Payment Gateway integration?
Recurring Billing System
Pricing
How can do I get started?
 
 
 

Payment Gateway Features

A payment gateway is an essential part of an Online Payment System and is necessary in order to process credit card transactions receive customer payments for goods and services sold.

Some of Payment Online's payment gateway features include:

1) Prepaid account feature for prepaid billing and ability to credit and debit a prepaid account as well as looking up account balance and history;

2) Special transaction types for retrieving order information and subscription information;

3) Powerful email confirmation features for approved or declined, recurring or prepaid, renewals and/or initial sale with powerful flexibility for even the most marketing driven companies.

Other features include:

Payment is deposited into merchant's bank account daily (your funds are transferred to your bank account same day)
Accepts secure Point of Sale Credit Card transactions in real-time or (optional) manual patch processing - with automated or manual settlement
Accepts secure Internet Credit Card transactions in real-time or (optional) manual patch processing - with automated or manual settlement
Integrates with any standard shopping cart catalog system or any Internet based website
Comprehensive web-based merchant transaction management and reporting with database import/export
Prepaid account features for prepaid billing with full management of credits, debits, account balance, and history
Special transaction type for retrieving order information and subscription information
Ability to include user defined fields that get past through
Transactions are sent via industry-standard https POST through to the CGI payment gateway
Vitual Terminal for manual processing of credit cards (e.g. for telephone and mail orders)
Supports VISA / MC / Amex / Discover / Diners Cards / Switch cards - and just about any credit card type on the Banking Interchange
Accept https post from your website, from software, or from any webhost and customer does not leave your website
Secured with encruption server and 128bit SSL encryption direct through the banking interchange
Customers can make changes to their profile online, e.g. changing credit card information, address, or login username/password.
Void or Refund/Credit features
Automated email confirmation to merchant and customer
Payment processing STATUS report and form data correction to assist the customer with order processing
Comprehensive search tools for customers, transactions, and orders
"Denied" reports for credit cards that were denied
Debug Tools to analyse the credit card
Recurring billing payment processing
Subscription based automated credit card processing
Membership based automated credit card processing
Full Data Backup and 24/7 Security Monitoring System
24/7 HelpDesk and Call Center for Support Services
 
 
 

How easy is the Payment Gateway integration?

This payment gatewat is designed for companies that have an existing back-end database and Internet servers for directly connecting to the Payment Online's credit card processing engines through direct connect https POST method (or through programming).

This is how it works.

Connection is through is either order pages (HTML compatible) or scripts.

The payment gateway can be directly connected via your order pages which can be a single page or multiple order pages with a shopping cart software and electronic catalog system.

Integration of the payment gatewat through software from the back end database and Internet servers is more complicated and only proficient individuals should attempt direct connect through software.

The process however is straightforward.

On your Internet servers (where your web site and order page is hosted), orders are placed by your customers. The customer order information is stored by your back-end database solutions that you have implemented.

The transaction information (credit card type, name, number, date of expiry, total amount, etc.) is POSTed (or server-script submitted) securely to Payment Online processing servers.

Payment Online's servers will then process the transaction through the banking networks and proceeds from sales are deposited to your business bank account within a day (subject to Internet merchant account regulations).

At the most basic level, API is used by constructing an HTML form, which does a POST to https://secure.paymentprocessing.com/cgi-bin/security-audit/transaction.cgi. (Please only use the secure URL provided for to you at the time of setup of your account - and not the one shown above).

In the HTML form, there will be a number of fields that give the processing servers the information needed to process the transaction in the payment gateway. Some fields are required, and some will be optional depending on what options you wish to implement.

Depending on what result is expected from the transaction, the payment gateway will send back a response, which indicates whether the transaction was approved or declined. The payment gateway provides a number of options for formatting the response, depending on what your exact needs are.

In contrast to most other transaction servers and payment gateways, the Payment Online system tracks the individual items in the order. When you look up a transaction in the Administrative interface tool that you receive with your service, you will see all the items that were ordered and the cost for each item.

There are many reason why a company that already has the back-end servers and the technical staffing would use Payment Online gateway.

Firstly, there is no need for you to store and retain credit card numbers of your customers and add fiduciary responsibility to your operation. There is also the fact that developing a subscription software platform is no easy task and requires experience and know-how.

Even with experience and knowledgeable technical staff, it takes years to develop a comprehensive, reliable, secure, fully functional feature-set, tested, and proven subscription-software platform with integrated payment gateway and protocol exchange servers.


 
 
 

Recurring Billing

One of the main reason for using our payment gateway and the processing servers is the integrated recurring billing system with full management through the Administrative interface.

Payment Online's recurring system has unmatched functionality and feature-set for a platform of its type. Which receives constant addition of features and functionality to remain years ahead of competition.

Below we have provided for you some of the flexible implementations that our customers have adopted to cater for their business model or marketing strategy.

For any recurring transaction, there are always 3 fields that are required. They are recur_billing, bill_cycle, and num_cycles. These are the minimum needed to process a recurring transaction. There are many other optional fields, the use of which depends on what type of recurring billing implementation you desire.

See product fields in our sample (subscription) product setting below:

 

 

Here are some sample implementations that our clients have chosen. However, there are many different implementations that are not included here. Please ask our sales professionals for additional details.

 

Implementation 1 - Payment Gateway

Suppose that you want to charge a customer $30.00 per month on the 1st of every month for 12 months. You also, want to pro-rate their initial billing to the first billing date (1st day of the coming month). Here's sample variable settings.

 

FIELD
VALUE
recur_billing
1
bill_cycle
1 month
recur_bill_amount
Empty
num_cycles
11
first_billing_date
Empty
recur_bill_day
1
prorate_first_billing
1

 

Implementation 2 - Payment Gateway

Suppose that you want to charge a customer $10.00 for the first month, and $30.00 per month thereafter for 11 months, you would set the following values:

 

FIELD
VALUE
recur_billing
1
bill_cycle
1 month
recur_bill_amount
30
num_cycles
11
first_billing_date
Empty
recur_bill_day
Empty
prorate_first_billing
Empty
item_price 10

 

Implementation 3 - Payment Gateway

Suppose that you give your customers a free 15 day trial, authorize the card for one dollar to make sure it is valid but don't 'capture' the fund. You also want to automatically bill them thereafter at $29.95 per month until they cancel.

 

FIELD
VALUE
recur_billing
1
bill_cycle
1 month
recur_bill_amount
29.95
num_cycles
999
first_billing_date
15 days
recur_bill_day
Empty
prorate_first_billing
Empty
item_price 1.00
trans_type AUTHONLY

 

Implementation 4 - Payment Gateway

You may want to give your customers a free trial through the end of the current month (no authorization), and bill them $14.95 monthly on the 1st of the month every month thereafter until they cancel.

FIELD
VALUE
recur_billing
1
bill_cycle
1 month
recur_bill_amount
14.95
num_cycles
999
first_billing_date
Empty
recur_bill_day
1
prorate_first_billing
Empty
item_price 1.00
trans_type NOAUTH

 

These are only some of the few implementations that are most popular. There are many other implementations of recurring billing models possible thanks to the flexibility of this powerful payment gateway.

The Payment Online's Payment Gateway automatically populate the username and password fields that are sent in the POST Back.

As default. the username is usually the email address of the customer which customers can easily remember, and the password is a random generated code.

This is done for every order even if it is not used, so it is always available via the Post Back. Either one or both of these fields can be overridden if they are sent along with the transaction.

If you place a value in the username or password field and submit it with the transaction, the recurring management system will use the values you send instead of the default ones generated internally.

To add the username and password to your authentication database, the POST Back feature can be used which performs an http POST to a cgi script on your website with the username and password, along with other information.

In order to make sure that not just anyone can POST a new user to your database, there are mechanisms in place that sends notification when this occurs.

How you handle authentication of users is entirely up to you and the decision on how http authentication should be implemented is up to you and your Webmasters or programmers.

Payment Online provides cgi scripts for various systems that can be used to accept the POST back and add the username and password to your database, but configuring your system and installing the script is undertaken by your staff.

 

 
 

Pricing

Please contact Payment Online sales professional on 206-382-1515 (select option 1) for current special offers and discounts on these software modules. The standard pricing, however, is shown below.

 

API DirectConnect
Premium
Ecommerce Storefront Hosting
$49/mo
Online Credit Card Order Processing
included
Payment Gateway Services
included
Secure Order Page Hosting
included
Secure Transaction Processing
included
Internet Merchant Account (VISA/MC)
2.1%
American Express Merchant Account
single rate
Discover Card Merchant Account
single rate
Setup Fee
$195
Transaction Fee
$0.25
Percentage of your Sales/Revenue (%) Fee
0%
Application Fee
$0
Term Contract/Commitment
none
Cancellation Fee
$0
Annual Fee
$0

 

The API DirectConnect includes all the supporting ecommerce services such as secure servers, database engines, payment gateway for credit card processing which otherwise have to be purchased separately.

 

Other modules include:

Other Services (optional) - one time fee.
Standard
Premium
Custom Development
$100+
$100+
Domain Name Registration (yearly fee)
$10
$10
Online Marketing, Promotions, Pay-Per-Click Management
$100+
$100-$5,000
Search Engine Registration and Optimization
$100+
$100+
Website Design and Development
$100+
$100+

 

For promotional discounts and current special offers , please contact Payment Online sales professional on 206-382-1515 (select option 1).

 
 

How can I get the Payment Gateway Software?

 

To place an order. Contact Payment Online's customer care department at (206) 382-1515 - option "3", and request to sign up.

To contact us by phone for sales questions. You can contact our sales professionals by calling (206) 382-1515 - option "1". Payment Online sales professionals are all non-commission based articulate technical professionals with years of experience in ecommerce solutions.

Your questions will be answered sincerely with your best interest at heart. Our friendly staff want to help you succeed with your ecommerce and as a company we believe we can best achieve that by making sure you get the right solution first time - in order to save you a lot time, money, and hassle.

To contact us by phone for technical questions. You can contact our Pre-Sales Technical Support Department by calling (206) 382-1515 - and selecting option "2".

To contact us by email. Payment Online staff can also be reached by Email.

Payment Online solutions are GUARANTEED for affordability, features and functionality.

Other Payment Online's solutions include:

eComSubscription - for selling subscription online (with/without recurring billing management)

eComMembership - for selling membership online (with member management)

eComDigitalDownload - for selling digital files (software, audio/video/music, eBook, PDF, etc.)

eComShoppingCart - for selling shippable goods (anything that is shipped to a customer)

eComOnlineServices - for selling services online (consulting, business services, etc.)

DirectConnect API - for developers/programmers with backend database/servers

 
 
 
 
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