HDFC Bank Payment Gateway provides a
single platform to support multiple payment technologies. The
solution supports Secure Sockets Layer (SSL), Secure Electronic Transactions,
Pseudo Card Numbers (PCN), 3-D Secure Visa Authenticated Payment protocol
and MasterCard Secure Payment Application (SPA).
HDFC Bank Payment Gateway enables the merchants to stay abreast of rapidly
changing payment technology; it incorporates a hosted payment page that
provides a common interface with the merchant web site, regardless of
which secure payment protocol is used. HDFC Bank Payment Gateway also
provides secure browser-based access for real time transaction
monitoring and reports download.
Our Payment Gateway integrates risk-management and fraud-detection software
using a sophisticated, easy-to-manage rules-based system that monitors
merchant and cardholder activity.
Payment Gateway is a flexible, scalable solution designed to accommodate
the rapidly evolving Internet secure payment environment for businesses.
It offers a user-friendly facility to businesses to sell their products
in a hassle-free manner to their target customers and ensure receipt
of payments upfront.
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Payment Gateway
integrates risk-management software. |
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Provides an integrated, flexible
rules-based proactive risk management system that operates with
all secure payment protocols |
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Supports branding and CSS for
merchants. |
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Supports online transactions,
batch processed transactions as well as IVR and kiosks. |
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Transaction data, reports and
other relevant information is easily accessible through browser
enabled user interface for merchants |
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Supports multiple payment types
and can route to various authorisation systems and traditional
card payment engines |
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Supports multiple platforms. |
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VBV and Securecode compliant. |
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Highly reliable Payment Gateway
offering 99.99% uptime. |
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Customised MIS solutions for
travel, retail and service (e.g. telecom) industries. |
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Easy to integrate and maintain.. |
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24 Hour helpdesk support.
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How an internet
transaction is initiated and processed through Payment Gateway
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The customer fills his shopping
cart on a merchant website and proceeds to check out. |
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The transaction information is
transmitted to the merchant server. |
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The web merchant forwards a digital
order to the Payment Gateway server in an encrypted format. |
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The Payment Gateway authenticates
the merchant and provides payment options and payment details
screens directly on the customer's browser over a secure 128-bit
SSL+ connection. |
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The customer provides his credit
card details, which is directly sent to the Payment Gateway server
when he clicks "Pay" . |
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The credit card details are then
switched to the Operator / Bank for authentication. |
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The Operator / Bank then transmits
the message to the cardholders' bank for payment authorisation. |
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The issuing bank authorises the
payment, provided the card is valid and has the requisite credit
limit and transmits the confirmation back to the Payment Gateway
through the Operator / Bank |
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On receiving the authorisation,
Payment Gateway forwards a digital receipt to the merchant server.
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The merchant provides a confirmation
of the payment to the customer's browser. |
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The entire process integrates
seamlessly with the shop and buy application of the web merchant. |
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The merchant may then ship the
goods and capture the transaction on the gateway server.
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Flexible |
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Supports multiple merchants on
a single platform. |
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Acceptance for most of the major
credit and debit cards. |
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User interfaces for merchants
are browser enabled. |
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Supports multiple platforms.
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Fast |
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Time to market - integrating
merchants via simple universal payment adapter (Merchant Plug-In). |
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Scalable to process a few thousand
transactions to millions of transactions / month on a real time
basis.. |
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Utilises Java architecture and
a relational database — either Microsoft SQL or Oracle —
for scalability and portability. |
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Integration with existing applications
and support for various shopping cart applications are simpler
and faster.
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Smart |
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Provides an integrated, flexible
rules-based risk-management system that operates with all secure
payment protocols. |
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Transactions are screened by
up to three negative files – BINs; hot cards reported lost
or stolen; and warm cards that have exceeded usage or other temporary
parameters. |
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Supports multiple payment types
and can route to various authorisation systems and traditional
card payment engines. |
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Provides extensive online query
capabilities that support evaluation of transaction activity. |
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Allow cardholders to create personal
assurance messages which can later be exchanged with their financial
institutions during the purchase transaction |
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Supports CVV2 and CVC2 for fraud
control .
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Reliable |
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Supports online, batch and manually
entered transactions. |
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Provides merchants with Internet
access to transaction data, reports, and other relevant information. |
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Provide both cardholders and
financial institutions with the knowledge that purchases have
been securely authenticated. |
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Maintain a complete digital history
of orders, including confirmation numbers, payment and shipment
details and relevant captured Web pages. |
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Secured user interfaces for system
management and operations. |
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State-of-the-art security technology
and processes . |
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Comprehensive user guides and
support information. |
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24x7 helpdesk support - Local.
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For any other details on Payment Gateway please get in touch with
us at
pghelpdesk@hdfcbank.com
hdfcbank.meservices@hdfcbank.com
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