Merchant Services

Features

  • Varied range of products to provide alternative solution to cash
  • World class service
  • Easy reporting and accounting
  • Customized E Commerce solutions and value added products

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Benefits

  • Flexible pricing options
  • Ease of transaction
  • Customized reports based on merchant needs
  • Direct T+1 Settlement cycle

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What are the features and benefits of Merchant Services?

Features

Features

What are the eligibility criteria and documentation for Merchant Services?

To be eligible for Merchant Services you need to have a:

  • Valid business establishment with BPR
  • Business that has been in existence for at least 6 months or more

Documentation required for Merchant Services:

What are the fees and charges?

  • All charges as per The Merchant agreement signed by you with the bank shall apply
  • Installation charges will also be charged, depending on the location & type of business
  • GPRS terminals are available at a monthly or annual rental plan - pls speak to your relationship manager today.
  • All physical MPRs for the following frequency will be charged from 01-Oct-12
    • Rs. 199 per month for daily physical MPR
    • Rs. 149 per month for weekly physical MPR
    • Rs. 99 per month for fortnightly MPR
    Monthly physical MPR & Email MPR's will be free of charge.
  • All charges are excluding taxes. Additional Service Tax & VAT will be as applicable.

What is the payment gateway for Merchant Services?

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.

Overview of Payment Gateway

How an internet transaction is initiated and processed through Payment Gateway ?

  • The customer fills his shopping cart on a merchant website and proceeds to check out.
  • The transaction information is transmitted to the merchant server.
  • The web merchant forwards a digital order to the Payment Gateway server in an encrypted format.
  • 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.
  • The customer provides his credit card details, which is directly sent to the Payment Gateway server when he clicks "Pay" .
  • The credit card details are then switched to the Operator / Bank for authentication.
  • The Operator / Bank then transmits the message to the cardholders' bank for payment authorisation.
  • 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
  • On receiving the authorisation, Payment Gateway forwards a digital receipt to the merchant server.
  • The merchant provides a confirmation of the payment to the customer's browser.
  • The entire process integrates seamlessly with the shop and buy application of the web merchant.
  • The merchant may then ship the goods and capture the transaction on the gateway server.

Features of Payment Gateway

Flexible

  • Supports multiple merchants on a single platform.
  • Acceptance for most of the major credit and debit cards.
  • User interfaces for merchants are browser enabled.
  • Supports multiple platforms.

Fast

  • Time to market - integrating merchants via simple universal payment adapter (Merchant Plug-In).
  • Scalable to process a few thousand transactions to millions of transactions / month on a real time basis.
  • Utilises Java architecture and a relational database — either Microsoft SQL or Oracle — for scalability and portability.
  • Integration with existing applications and support for various shopping cart applications are simpler and faster.

Smart

  • Provides an integrated, flexible rules-based risk-management system that operates with all secure payment protocols.
  • 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.
  • Supports multiple payment types and can route to various authorisation systems and traditional card payment engines.
  • Provides extensive online query capabilities that support evaluation of transaction activity.
  • Allow cardholders to create personal assurance messages which can later be exchanged with their financial institutions during the purchase transaction
  • Supports CVV2 and CVC2 for fraud control .

Reliable

  • Supports online, batch and IVR transactions
  • Provide merchants with real time access to transaction data, reports and other relevant information through web.
  • Provide both cardholders and financial institutions with the knowledge that purchases have been securely authenticated.
  • Maintain a complete digital history of orders including confirmation numbers, payment, shipment and other relevant details
  • Secured user interface for system management and operations
  • State-of-the-art security technology and processes .
  • Comprehensive user guides and support information.
  • 24x7 helpdesk support

Helpline Numbers

We have an, in-house, dedicated, customer service team, which trouble shoots in case you need any assistance on the machine operations, rolls, charge backs, reports, etc. In case you need any assistance on the EDC machines installed at your outlet please call us up at the following numbers

LocationPhone number
Andhra Pradesh 040-23410707
Bihar / Jharkhand 033-22488404
Chennai 044-28601425
Coimbatore 0422-4391421
Delhi 011-42609244
Goa 0832-2421207 / 6656655
Gujarat 079-26854051
Karnataka 080-25462222
Kerala 0484-4433561
Madhya Pradesh 0731-4069552
Maharashtra 020-40070109
Mumbai 022-40756450
Orissa 18603454565
Punjab / Haryana / J&K 0172-3924523 / 18602001121
Rajasthan 0141-5104022
Uttar Pradesh / Uttaranchal 0522-3258918
West Bengal / North East 033-22488404
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