SmartPay Solution

SmartPay can provide a Payment Gateway solution that will fit seamlessly into an existing payment process. The SmartPay E-Commerce Payment Gateway will provide a simple solution that will allow real time payments from a website and payments directly from a call centre.

The SmartPay Payment Gateway is PCI DSS compliant and will allow regular customers to make online purchases using a token based payment facility which does not require the retention of retain the customer's credit card details.

The SmartPay E-Commerce Payment Gateway payment solution supports Internet credit card payment facilities provided by New Zealand banks: ANZ, ASB, Bank of New Zealand, Kiwibank, National Bank and Westpac.

SmartPay E-Commerce Payment Gateway Features

Real time payments from a website.
Payments directly from a call centre.
Ability to take more than one payment from the same credit card without storing credit card details.
Verification by Visa and MasterCard Securecode fraud reduction schemes, eliminating the risk of charge backs.
Paymark Certified Solutions Provider (CSP).
AIS PCI DSS compliant.
Interface with MYOB and most legacy accounting packages.

SmartPay E-Commerce Payment Gateway Benefits

Convenient way of providing products to your customers.
Sales not restricted to a local market.
Customers credit card details not visible during online purchases (meeting PCI compliance requirements).
Online Merchant administration that allows merchant to:
- Access multiple SmartPay accounts for a single bank account
- Make manual payments
- Process refunds
- Find lost transactions.

SmartPay E-Commerce Payment Gateway Functions

The SmartPay E-Commerce Payment Gateway will provide your customers with an easy to use online payment system.

The customer logs on to a merchant's website; once the logon details are verified, the customer will be issued with a token which is the identifier for the customer's payment. This operates in the background each time the customer logs on to the website. The customer chooses their order and is directed to make payment.

Your website ordering system sends a simple encrypted request over the Internet to the SmartPay server. This request includes a unique code to identify the merchant and the token number allocated to the customer, plus a unique code to identify the payment, and the amount of the payment.

The result of the transaction sent to the merchant contains the unique code to identify the payment, a result code, and a result message. The customer's token number is retained by the database. The unique token number identifies the customer's payment method each time the customer logs on to that merchant's website to make a purchase.

How it works

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