Payment Gateways are software and servers that transmit Transaction information to Acquiring Banks and responses from Issuing Banks (such as whether a transaction is approved or declined). Essentially, Payment Gateways facilitate communication within banks.

Security is an integral component of all payment gateways, as sensitive data such as Credit Card Numbers need to be protected from any fraudulent parties. The card associations have created a set of rules and security standards which must be followed by anyone with access to card information including gateways. This set of rules and security standards is called the Payment Card Industry Data Security Standard (PCI-DSS or PCI).

Submitting an order is usually completed using HTTPS protocol, which securely communicates personal information through the parties involved in the Transaction. Many Payment Providers, such as PayGlobal, enable Merchants added options when a cardholder purchases a service or product. Aside from providing the ability for real-time transactions, our gateway can help to translate currencies between two parties in different countries, as well as bridge language and payment methods. Payment gateways charge those who use them a per transaction fee.

 

The Payglobal Payment Gateway is a PCI Level 1 Certified solution; it provides secure, encrypted, and real-time credit card payment authorization for card-not-present. Merchants exclusive to Payglobal can also benefit from several additional features such as:

 

Processing Volume Distribution and Routing (Load Balancing): Supports multiple merchant accounts simultaneously to distribute your transaction volume.

 

Velocity Control: Helps you protect your business against fraudulent activity through the implementation of extensive filters to detect and block suspicious transactions

 

Virtual Terminal: Merchants have the ability to manually authorize, process, and manage credit card transactions from anywhere around the world via Internet access

 

Transaction Filters: Helps protect you against high risk customers by pre-defining rules of acceptance associated with Address Verification (AVS), Card Verification Value (CVV, CVC, CVV2), and IP Address.

 


Your transactions are authorised within seconds and the money will be in your bank account within days. Use the PayGlobal Gateway to refund, repeat or cancel transactions, reconcile receipts and download data for your own accounting systems.


It is quick and easy to integrate a PayGlobal payment gateway, you can:


  • Use Payment Pages – We host the payment page, taking you entirely out of PCI DSS scope. The page can be customised to your requirements.

  • Use Web Services – You use your own secure servers and use Secure Trading’s payment network as part of your own ecommerce application.

  • Use STAPI– You install a Secure Trading application on your secure server. Your software talks to the PayGlobal application, which manages the secure communication with our payment network.