A payment gateway facilitates, the transfer of information between a payment portal (such as a website, mobile phone or IVR service) and the Front End Processor or acquiring bank. When a customer orders a product from a payment gateway-enabled merchant, the payment gateway performs a variety of tasks to process the transaction.
HDFC Payment Gateway, an e-commerce service that authorizes payments for e-businesses, online retailers and monitoring the online secure cash flow.
E - Commerce - Internet Payment Gateway, Strong Customer Facing and Relationship Building skills.
Specialties: HDFC Payment Gateway, HDFC merchant services, HDFC online payment solution.
HDFC 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
Benefits
Flexible pricing options
Ease of transaction
Customized reports based on merchant needs
Direct T+1 Settlement cycle.
What are the features and benefits of Merchant Services?
- No more handling cash: When you avail of HDFC Bank Merchant Services, we install an EDC machine at your outlet, which will enable you to accept all Visa/ MasterCard cards for payment. This means fewer cash transactions for you and more convenience for your customers!
- Experience World Class Service with HDFC Bank Merchant Services. Your exclusive relationship manager is always available to assist you for your various banking needs. We also take pride in our exclusive in-house service team, which is available round the clock for your convenience.
- Easy reporting and accounting.
At HDFC Bank we offer you multiple options to receive your Merchant payment report (MPR). You can opt for your payment report by Email or regular mail. You can also opt for daily/weekly/fortnightly/monthly reports. Now reconciling your Current Account credits and card transactions is much simpler!
- Varied range of products to increase your revenues.
- GPRS Terminals - Enables mobile - SIM card based processing of transactions.
- Easy EMI - Offer EMI facility to your customers and watch your business grow!
- Flexi Currency - Does your customer base include foreign nationals? Offer HDFC Bank Flexi Currency to your customers and enable them to purchase in their home currency. We accept 15 international currencies and we are MasterCard/Visa compliant.
- Cash@shop - Emergency cash for your customers! Offer cash withdrawal on domestic debit cards upto Rs 1000/- per day per card and improve their shopping experience in your outlet.
- Flexible pricing options - We offer you a range of pricing options to suit your budget and nature of business.
- Merchant Advantage Plan (MAP) - Now empower yourself by choosing your own pricing. HDFC Bank's unique MAP allows you to control the pricing based on the volumes you transact with us.
- Flat Pricing - You can also opt for a flat discount rate on your EDC machine.
- Other pricing Plans - We also have varied pricing plans, depending on your business requirements. Our relationship officers will help you select the pricing option that is best for you at the time of signing up.
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:
- Merchant application form
- Identity proof
- Address proof
- Business establish proof
- Competition MPR (If you already have an EDC machine from another bank)
- For additional EDC
Request letter to be given in letter head with authorized signatory name & required number of Terminals
- For EMI/ GPRS/ Flexi Currency / Cash@shop
Please check with your relationship manager for details on how to apply for these value added products.
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
- Provides an integrated, flexible rules-based proactive risk management system that operates with all secure payment protocols
- Supports branding and CSS for merchants.
- Supports online transactions, batch processed transactions as well as IVR and kiosks.
- Transaction data, reports and other relevant information is easily accessible through browser enabled user interface for merchants
- Supports multiple payment types and can route to various authorisation systems and traditional card payment engines
- Supports multiple platforms.
- VBV, OTP and Securecode compliant.
- Highly reliable Payment Gateway offering 99.99% uptime.
- Customised MIS solutions for travel, retail and service (e.g. telecom) industries.
- Easy to integrate and maintain..
- 24 Hour helpdesk support.
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
| Location | Phone number |
|---|
| New Delhi | +91-9711205543 |
