What is a payment Gateway?
A payment gateway establishes a secure connection between your business and the payment processing network. You can utilize a virtual terminal to process transactions you receive over the phone, mail or fax. A gateway can be easily integrated into an existing POS system, data entry system or Shopping Cart. A payment Gateway is the ideal solution for Mail, Telephone and e-commerce merchants.
Customer Information Manager
The Customer Information Manager (CIM) allows you to store your customers' sensitive payment information on our secure servers, simplifying payments for returning customers and recurring transactions. It can also help you comply with the Payment Card Industry (PCI) Data Security Standard, since customer data is no longer stored locally.
CIM is an ideal tool for businesses that need to securely save customer data and provide convenience for their customers.
Process Recurring Transactions
You bill your customers different amounts or on different days each month. (e.g. utility companies)
Process Usage Charges
You bill your customers only when the service is used. (e.g. pay-as-you-go cell phones)
Simplify PCI Compliance
You are concerned with PCI compliance and protecting your customers' confidential information.
Store Customer Data
You want to provide returning customers with the convenience of not having to re-enter their personal data every time they visit your Web site.
Provide Payment Flexibility
Your customers can store multiple payment methods for repeat purchases.
Save Multiple Shipping Locations
Your customers can also save multiple shipping locations.
Automated Recurring Billing (ARB)
Automated Recurring Billing (ARB) is a convenient and easy-to-use tool for submitting and managing recurring, or subscription-based, transactions. You can take advantage of ARB's flexible features to enhance customer service and build customer loyalty, while reducing authorization declines and overall administrative costs.
ARB provides multiple methods for creating subscriptions. Simply create a subscription in the Merchant Interface that includes the customer's payment information, a billing amount, and payment schedule. Or allow your online customers to choose installment payments from your custom payment form when you integrate your Web site directly to our ARB application programming interface (API). ARB does the rest, generating subsequent transactions based on the schedule provided.
Improve Billing Efficiency
Once a subscription begins, no additional labor is required through the life of the subscription. ARB also includes the ability to customize trial periods and pricing.
Improve Security
Eliminates the need to store sensitive data on computer systems, reducing the risk of compromised customer information.
Enhance Loyalty
ARB allows you to provide customers with a flexible, no-hassle billing plan using either a credit card or our exclusive electronic check service, eCheck.Net®.
Reduce Costs
ARB eliminates many of the costs associated with manual billing, with no additional per-transaction fee. In addition, ARB helps you effectively manage your subscriptions with e-mail notifications of upcoming credit card and/or subscription expirations.
Advanced Fraud Detection Suite (AFDS)
The Advanced Fraud Detection Suite is a set of customizable, rules-based filters and tools that identify, manage and prevent suspicious and potentially costly fraudulent transactions. You can customize AFDS filters and tools to match your business needs and control how suspicious transactions are handled, including the ability to approve, decline or hold transactions for manual review.
Fraud Hurts, Fight Back
According to the results of the 10th annual CyberSource Online Fraud Report, U.S. merchants lost an estimated $4 billion to fraud in 2008. The Advanced Fraud Detection Suite was specifically built to provide merchants with tools to better combat online fraud. Here's how the Advanced Fraud Detection Suite can help:
Reduce Costs
Minimize and prevent authorization and chargeback fees as well as possible inventory loss resulting from fraudulent transactions.
Protect Profits
Maximize legitimate transactions, rather than refusing business due to a fear of potential fraud.
Maximize Flexibility
Customize filter settings according to your unique business needs.
Improve Intelligence
Restrict transaction activity from specific Internet Protocol (IP) addresses using powerful IP tools.
Easy to Use
A setup wizard guides you through the configuration process.
How it Works
AFDS includes multiple filters and tools that work together to evaluate transactions for indicators of fraud. Their combined logic provides a powerful and highly effective defense against fraudulent transactions.
Amount Filter
Set lower and upper transaction amount thresholds to restrict high-risk transactions often used to test the validity of credit card numbers.
Hourly Velocity Filter
Limit the total number of transactions received per hour, preventing high-volume attacks common with fraudulent transactions.
Shipping-Billing Mismatch Filter
Identify high-risk transactions with different shipping and billing addresses, potentially indicating purchases made using a stolen credit card.
Transaction IP Velocity Filter
Isolate suspicious activity from a single source by identifying excessive transactions received from the same IP address.
Suspicious Transaction Filter
Reviews highly suspicious transactions using proprietary criteria identified by dedicated Fraud Management Team.
Authorized AIM IP Addresses
Allows merchant submitting Advanced Integration Method (AIM) transactions to designate specific server IP addresses that are authorized to submit transactions.
IP Address Blocking
Block transactions from IP addresses known to be used for fraudulent activity.
Enhanced AVS Handling Filter
The Address Verification Service (AVS) is a standard feature of the payment gateway that compares the address submitted with an order to the address on file with the customer's credit card issuer. Merchants can then choose to reject or allow transactions based on the AVS response codes. AFDS includes a new AVS filter that assists the decision process by allowing merchants the additional options of flagging AVS transactions for monitoring purposes, or holding them for manual review.
Enhanced CCV Handling Filter
Like AVS, Card Code Verification (CCV) is a standard feature of the payment gateway. CCV uses a card's three- or four-digit number to validate customer information on file with the credit card association. Like the AVS Filter, the CCV Filter allows merchants the additional options of flagging CCV transactions for monitoring purposes, or holding them for manual review.
Shipping Address Verification Filter
Verifies that the shipping address received with an order is a valid postal address.
IP Shipping Address Mismatch Filter
Compare the shipping address provided with an order to the IP address of where the order originated from. This helps to determine whether or not the order is shipping to the country from which it originated.
Regional IP Address Filter
Flag orders coming from specific regions or countries. You can choose to customize the filter actions based on an entire geographic area, or select country by country how to process transactions flagged by the filter.
eCheck
eCheck provides an exclusive, fully integrated electronic check payment method, eCheck Using eCheck, merchants can accept and process payments from consumer and corporate bank accounts directly from their Web site or through the Authorize.Net Virtual Terminal. By accepting electronic checks, you expand the payment options available to new and existing customers, enhancing customer loyalty and potentially increasing sales.
Lower Fees
Lower rates than credit cards or PayPal.
More Efficient
eCheck.Net does everything online, eliminating the cost and inconvenience of manually processing paper checks and waiting for checks in the mail.
Fully Integrated Solution
No third-party integration required—implementing eCheck.Net is easy for merchants already using the Payment Gateway.
Integrated Reporting
Provides a combined view of all eCheck.Net and credit card payment transactions. Reconcile payment and billing activity using online reports and statements.
Ship Product Sooner
Improved up-front transaction validation that returns the status of transactions faster.
Security
The Gateway uses the latest 128-bit Secure Socket Layer (SSL) technology for secure Internet Protocol (IP) transactions.
Credit Cards Accepted:
    
For More information, please contact
a Meramak sales representative at:
800-225-3400
or click here to apply
|
