Payment Online has integrated the recurring
billing system with its API
DirectConnect Product.
This payment gateway 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 gateway 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.
If you still wish to store and retain credit card numbers, you
must be compliant with the VISA CISP storing credit card information
securly. To be approved with compliants, you will need to go through
a list of compliance requirements, including a complete auditing
of your systems and your company. In most cases, the costs can add
up to about $50,000. Then there is the experience and cost of development.
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.
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