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We offer the e-commerce implementation through three different gateways. Please find the details mentioned below:
1. Paypal
2. ICICI Payment Gateway
1. Paypal: This is the cheapest payment gateway available in the market, wherein
the details of the same are mentioned below:
2. ICICI : If you are looking for the Payment in Indian Rupees in your own bank. This is the best ways to go for that. There will be flat transaction charges with no extra hidden cost.
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Credit Cards |
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VISA, MASTER CARD, AMERICAN EXPRESS, DINERS CLUB, CITIBANK E-CARDS, JCB CARDS AND ONLINE BANKING INTERFACES. CCAvenue/ICICI has been approved as a Super/Master Merchant by Citibank, ICICI Bank, American Express, UTI Bank, IDBI Bank, Centurion Bank and HDFC Bank. This new technology solution allows e-merchants to accept online payment from their customers, via any of the following credit card brands.
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MasterCard: MasterCard International is a global payments company with one of the most recognized and respected brands in the world. With 32 million acceptance locations, no payment card is more widely accepted globally than MasterCard. Last year, MasterCard handled transactions worth US$285 billion. |
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VISA:The world's most preferred card. There are more than one billion cards in circulation, with unsurpassed acceptance in more than 150 countries. Visa-branded cards generate US$2.4 trillion in annual card sales volume. Nearly half of this in US alone. |
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American Express: The world's favorite card. More than 57 million cards in circulation and growing! Around US $ 123 billion was spent last year through American Express Cards and it is poised to be the world's No. 1 card in the near future. |
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Diners Club International :The world's No. 1 Charge Card. Diners Club cardholders reside all over the world and the Diners Card is an old corporate favorite. There are more than 8 million Diners Club cardholders. |
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JCB Cards: The JCB Card has a merchant network of 10.93 million spanning 189 countries. It is supported by more than 320 financial institutions worldwide and serves more than 48 million cardholders in 18 countries. |
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Citibank E-Cards The new initiative of Citibank, launched to promote safe and secure E-shopping. |
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Net Banking |
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CCAvenue/ICICI allows e-merchants to extend and integrate their websites to this payment gateway facility, and to accept payment from their customers. This is done by directly debiting from the customers' online account in any of the following banks/divisions.
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HDFC Online Banking |
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Citibank NRI Account Holders |
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Citibank Current Account Holders |
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Citibank Suvidha Account Holders |
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ICICI Bank.com Net banking Account Holders |
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IDBI i Netbanking Account Holders |
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UTI iConnect Net banking Account Holders: |
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Oriental Bank of Commerce – Global Trust Bank |
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Centurion Bank |
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THE FEDERAL BANK LTD
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Bank of Punjab Ltd.
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Punjab National Bank |
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* TDR = Transaction Discount Rate | |
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ICICI Payment Gateway Details
As mentioned, this option presents an opportunity to provide convenience and a security to browsers to make a host of payments for a variety of reasons without leaving the environs of their home or office. Being the Internet, all barriers of proximity or locale are a thing of the past. A card transaction can be processed through the Payment Gateway that can be integrated with your website which ensures that all card related details will be processed in a secure environment and will encrypted in a 128 bit SSL format throughout the transaction flow. This excellent product is commercially referred to as Payseal.
To give you a flavor on the technicalities as well as features of Payseal
PAYSEAL - ICICI Bank
Payment Gateway
Pay seal enables organizations to accept Internet payments in a completely online real time environment
The gateway offers 128-bit SSL encryption, with real time authorization and capture of transactions.
The gateway can process both domestic and international credit cards – Visa and MasterCard.
Background
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Payseal was launched in July 00, and is currently offering its services to over 180 clients across India.
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The service is provided with ICICI Bank as the acquiring Bank
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Current Client Base
We currently have over 180 clients across a wide array of industry segments including Indian Railways, Indiatimes.com, Rediff.com, RPG, Indiainfoline, Traveljini, Apollo Health, 123india, Easybuymusic etc.
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The Process
Flow
1.
Customer visits merchant website, selects the goods / service of his choice
represented in the website
2. Merchant presents the order / reservations page to the customer with the
transaction amount in India
Rupees & preferred Foreign Currency in case of international transactions - The
currency conversion from
INR to the selected foreign exchange would be performed by the Merchant
3. On Selection of credit card as a payment mode, the merchant servers would
transmit an encrypted digital
order to the payment gateway systems, with the amount field in
INR. (A client software would be installed at
the Merchant server site to facilitate generation of encrypted
digital orders and decryption of digital receipts.
The digital order generated would contain the session id,
merchant id key, return url, amount and locale to
identify the transaction)
4. Customer would be presented with two secure Pay seal screens (128 bit SSL
protected). Pay seal would capture
consumer card details from the consumer browser, based on the consumer
order information provided by the
server systems.
5. Pay seal would receive the authorization for the required amount and pass on
the same to the client server via
a digital receipt.
It would take under 15 seconds for Merchant to receive the digital receipt on
receiving the details from the customer
6. Merchant would confirm the order to the customer in the selected
property.
7. Merchant to capture the transaction for every sub merchant within 13 days from
the date of authorization
receipt. Online capture would occur via a merchant administration module provided to the
merchant,
providing access to the gateway server.
8. Merchant would receive transaction amount net of the agreed transaction
charges into the respective ICICI Bank
merchant id accounts on submission of POD (Proof of Delivery / Completion
of Service).
9. Merchant would receive the corresponding FIRC (Foreign Inwards Remittance
Certificate) documents to deposit
foreign exchange in their EEFC account for foreign exchange transactions.
Main Features
1. Customer is provided with two SSL HTML pages
from the Pay seal server - wherein the merchant does not
receive the card
details.
2. Time taken for the authorization confirmation is 10 - 15 seconds from the
time the consumer confirms the
Pay button.
3. A unique and extensive Merchant administration module facilitating online
capture of transactions and extensive
records of all transaction information conducted via the ICICI payment gateway.
The Merchant Administration
module enables extensive MIS reporting and monitoring of financial transactions.
4. Extensive Transaction features including refund and part capture of credit
card transactions processed via the
ICICI gateway, applicable for all valid credit cards issued by Visa and
MasterCard.
5. ICICI Bank would act as the Acquiring Bank, providing a merchant id account
for processing of credit card
transactions. The merchant may open an account at any ICICI Bank branch across
India. |
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Advantages
The ICICI payment gateway offers a comprehensive technology and banking solution for your
organization"s online payment requirements.
Security
The gateway offers 128-bit SSL encryption
Easy Installation, operation and Management
As most of the software is hosted at our own sites, the gateway eliminates the need for complex software and large databases at your site.
Swift and Flexible Integration
The gateway offers a number of programming interfaces, which can be
customized, to integrate with all leading storefront platforms.
Swift transaction processing
The gateway offers a completely online, real time solution on a reliable Internet payment platform, with
authorizations received in under 15 seconds.
Efficient Administration
The unique Merchant administration module facilitates extensive MIS reporting and monitoring of transactions conducted via the gateway Merchant
Implementation Experience
The ICICI Bank payment gateway has been successfully implemented across most leading platforms and been operational since July 2000
Comprehensive Transaction Features
The gateway offers separate
authorization and capture modules for each transaction, providing the flexibility for your online transactions.
Verisign Certification
The gateway servers are authenticated by Verisign.
Bank Branch Network
ICICI Bank offers an extensive branch network across India with 320 branches.
Pay seal is a cost effective option to create a pay option through MasterCard and Visa credit cards at present. In the near future we look forward to creating the opportunity to process other cards as well, which will naturally become available to our existing relationships. |
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