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e-Commerce Solutions

e-Commerce Solutions
 
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We offer the e-commerce implementation through three different gateways. Please find the details mentioned below:      

  1. Paypal                                  : 3.4% + 40 Cents Per Transaction
  2. EBS Payment Gateway           : 2.50% + Tax
  3. ICICI Payment Gateway         : 2.25% + Tax

1.Paypal: This is the cheapest payment gateway available in the market, wherein the details of the same are mentioned below:

Setup & Implementation cost

INR 5,000/-

Transaction Cost

3.4% + 40 cents per transaction

Credit cards

All major types of credit cards

In Words: Five Thousand Only. 

Duration:  02 working days.

        Methodology: Minimum payout check amount needs to be INR 6000/-. Payout charges would be 2.5%, every payout. 

2. EBS Payment Gateway: If you are looking for the Payment in Indian Rupees in your own bank along with the net banking & itzcash card payment acceptance then this is the best ways to go for that. There will be flat transaction charges with no extra hidden cost. 

Type of Scheme

Set Up & Implementation fees [One time, Non Refundable]

TDR *
(Credit Cards)

TDR *
(Net Banking)

Annual Software Maintenance Cost (Payable April, Every Year OR Pro Rata Thereof)

 

Merchant Account

 

Rs. 30,000/-

 

2.50%+service tax

 

2.50%+service tax

 

Rs 3000

       In Words: Thirty Thousand Only. 

       Duration:  15 working days.

Multiple Range of Payment Options:

Credit Cards processed:

Mastercard.gif      Visacrd.gif      DinersCrd.gif   


 

Debit Cards processed:

AxisAtm.gif      HDFCATM.gif      ICICiAtm.gif      DeutscheAtm.gif      CitiAtm.gif   
StateAtm.gif      IndianOverAtm.gif      ING_Vysya.gif      CorporativeAtm.gif     KarurVysyaAtm.gif CanaraAtm.gif  
 

 

Net Banking options:

iConnect.gif      HDFCBank.gif      ICICiBank.gif      JKBank.gif      Citybank.gif    

 

Cash Card options:

ITZCashcrd.gif

Our goal is to provide a service oriented model to offer Indian merchants a professional, consultative & merchant centric payment processing solution. EBS "Payment Gateway" is specifically designed to accommodate increasing E-commerce demand by companies for sophisticated payment solutions to tap enormous opportunities for global & domestic Internet transactions

Why EBS is the most apt solution for your business

All Major International & Indian Cards Accepted

Accept Maestro & Visa Electron Debit Cards, widely used by all banks
 

 Name of the merchant in Client’s Credit Card Statement

Customers can pay through their bank account which almost all Indians have

Offer Indian Clients an easy cash card option

Quick and easy integration with our payment gateway

Security standards adopted by esteemed industry players across the globe

EBS Payment Gateway offers authorize and capture facility

Online Transaction Accounting Module

Live Support module for Merchants

Support for Transaction Failure

Integrated Risk Monitoring Module

Alerts for High Risk Transactions

Credit card verification method i.e. CVV, CVV2,

IP Address mapping and cardholder reversal lookup

Manual Transaction Verification support

Verified by Visa & MasterCard Secure Code for Non-Fraudulent transactions

PCI Data Security Standards 1.1. Certification

No additional hardware or software required as platform independent

E-commerce education and guide for merchants

Support for Net-banking transactions & Credit card transactions

No security deposit required for EBS IPG

No VeriSign or SSL certificates required on your website

Nil, Non performance/commitment charges, generally charged by banks

Nil, per transaction charge except TDR

No separate penalties for non performance on EBS model

99.99% uptime with multiple payment options on a single platform

Lowest Industry rates for payment gateway

Automated Ticketing system for efficient customer redressal

Easy reconciliation on single platform for multiple payment options

Management Information (Statistical) Reports for online transactions

 
Merchant centric approach

We feel our priority is to educate the merchant for the business they are into and so we continually update the merchants with latest E-commerce facts, figures & relevant information to boost online sales & for all round development, on topics such as

How to use convenience as driver for e-tailing to combine with impulse driven by perceived best deal/bargains for a product or service to serve as a channel for online business

How to compensate expenses of Online business with lower operating costs benefits

Information to be provided on website to relieve customer fears for transacting online

How to minimize risks associated with their business models by curtailing frauds

Best practices guide for online merchants to adopt for a smooth E-commerce experience

 
Secure Process Standards

We have the state of the art Risk Management System that automatically categorizes transactions based on risk. This is further backed up by a manual audit.

The risk audit team constantly updates & enhances the parameters to audit risks based on latest online data, threat perceptions & technology developments.

Constant update of technology helps the team utilize their knowledge base & intellect in R & D for conferring excellent results for our business. The team constantly works on different aspects essential for reducing online frauds.

We are one of the very few providers in the world who have achieved the highest security standards of PCI (Payment Card Industry) thus making us the secured payment processor globally. 


Detailed Merchant Account Reporting System

EBS merchant reporting module provides all statistical and financial information; these Valueadded reports will help you manage your business more efficiently.

Transaction Account Summary for any period selected in a view/downloadable format

Weekly Payments

Pending Orders

Status of orders

Flagged orders

Failed or in completed orders

Authorized/Captured orders

Merchants Glossary & education program

Search payment 


Easy Integration

Our integration is compatible with any software platform. There is no additional hardware or software required at the merchant’s end.


Technical & Customer Support

We have adopted a very advanced method of quick support service. Our ticketing systemensures that all your queries are resolved in 24 hours through proper channel. Our supportsensure personalized service and rectify the issues in the minimal timeframe. We work with theclient from registering with us throughout the entire transaction period to assure betterservices.
 

3. ICICI : If you are looking for the Payment in Indian Rupees in your own bank using a Bank Gateway only. This is the best ways to go for that. There will be flat transaction charges with no extra hidden cost. 

Type of Scheme

Set Up & Implementation fees [One time, Non Refundable]

TDR *
(Credit Cards)

TDR *
(Net Banking)

Annual Software Maintenance Cost (Payable April, Every Year OR Pro Rata Thereof)

 

Merchant Account

 

Rs. 40,000/-

 

2.25%+service tax

 

2.25%+service tax

  25 working days.

 

 


 

Credit Cards

VISA, MASTER CARD AND VISA Electron.

Mastercredit.jpg
 

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.

VisaCredit.jpg
 

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.

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

Payseal enables organisations 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

  • Payseal was launched in July 00, and is currently offering its services to over 180 clients across India.
  • The service is provided with ICICI Bank as the acquiring Bank

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. 

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)

  1. Customer would be presented with two secure Payseal screens (128 bit SSL protected). Payseal would capture consumer card details from the consumer browser, based on the consumer order information provided by the server systems.
  2. Payseal 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

  1. Merchant would confirm the order to the customer in the selected property.
  2. 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.
  3. 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).
  4. 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 Payseal 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.

Advantages
The ICICI payment gateway offers a comprehensive technology and banking solution for your organisation’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 customised, 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 authorisations 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 authorisation 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. Payseal 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. 

Terms & Conditions 

1.      OSTL is liable to execute the project successfully.

2.      Customer is liable to pay the amount mutually agreed by OSTL and the customer.

3.      OSTL would not be held responsible for any financial disputes, if arrives due to online payments.

4.      The above-mentioned cost is only for one year and need to be renewed annually.

5.      The above said price is for the features mentioned, which can be varied as the order varies.

6.       Mode of Payments:

·  100% in Advance of the E-commerce implementation cost. 

All queries regarding the same are welcome. 

Assuring you with the best of our services all time.

 
 
 
 
 
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