We offer the e-commerce implementation through 04 different gateways. Please find the details mentioned below:

1. Paypal                            : 3.4% + 40 Cents Per Transaction
2. EBS Payment Gateway  : 6%/5%/4%/3.75%/3.25%/2.75%/2.5% + Tax
3. ICICI Payment Gateway : 2.25% + Tax
4. CC Avenue                     : 3% / 5% / 7% + Tax

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

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.

 Duration:  15 working days.

 Multiple Range of Payment Options:

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 system

ensures that all your queries are resolved in 24 hours through proper channel. Our supports

ensure personalized service and rectify the issues in the minimal timeframe. We work with the

client from registering with us throughout the entire transaction period to assure better

services.

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.

In Words: Forty Thousand Only.

Duration:  25 working days.

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)

4. 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.
5. 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

6. Merchant would confirm the order to the customer in the selected property.
7. 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.
8. 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).
9. 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. 

4. CC Avenue : The only Indian Payment gateway to offer American Express Card.

* Taxes as applicable will be levied on set up fees, ASMC and Transaction Discount Rate (TDR) charged by CCAvenue. 

** Annual Software Maintenance Charge (ASMC) is charged on a per month basis payable in advance every year in April. Merchants signing on after April need not pay the full ASMC fee. The ASMC fee will be levied on pro-rata basis. 

*** TDR = Transaction Discount Rate 

We empower eMerchants to collect online payments through multiple instruments:

Details of collection instruments currently available are given below: 

a) Credit Cards: Credit Cards are the most popular forms of online payment instruments at this point in time. We enable the eMerchants to accept the following Credit Cards*** on their websites: Visa, MasterCard, American Express, Diners Club and JCB. These could be issued in India or anywhere else in the world. The per transaction cost (TDR=Transaction Discount Rate) for credit cards will vary according to the pricing scheme you have chosen: Here is a table that explains the deduction process for a payout of Rs. 1000:

*** CCAvenue is the only 3rd party payment gateway in India to be certified by American Express globally as well as the only 3rd party payment gateway in India to be selected as MasterCard Member Service Provider for the Indian region.

Merchants choosing Axis Bank to revive or activate MasterCard as a payment option on their website need to place a fixed deposit for Rs. 10,000/- with Axis Bank. This will enable Axis Bank to place a lien over it to cover any chargeback losses.

Please note: A merchant has to maintain a minimum balance of Rs. 1000 in his account at any given time. All payouts will be made after this requirement has been fulfilled. 

b) Debit Cards: In a country like India, a large portion of the market holds Debit Cards rather than Credit Cards. We enable merchants to capture this audience by processing Visa Electron Debit Cards of the following banks: Axis Bank, Canara Bank, Citibank, Corporation Bank, Cosmos Bank, Deutsche Bank, HDFC Bank, ICICI Bank, Indian Overseas Bank, ING Vysya Bank, Karur Vysya Bank, Kotak Mahindra Bank, Punjab National Bank, Standard Chartered Bank and State Bank of India.

c) Direct Online Debit from bank account (Net Banking): This is a secure and increasingly popular method of online payment where the funds are transferred by the customer through the net banking interface into the merchant’s account via CCAvenue. We currently support ABN AMRO Bank, Axis Bank, Bank of Bahrain & Kuwait, Bank of Baroda (Retail & Corporate Banking), Bank of India, Canara Bank, Citibank, City Union Bank, Corporation Bank, HDFC Bank, ICICI Bank, IDBI Bank, IndusInd Bank, Jammu & Kashmir Bank, Karnataka Bank, Karur Vysya Bank Limited, Kotak Mahindra Bank, Lakshmi Vilas Bank, Oriental Bank of Commerce, Punjab National Bank, Punjab National Bank (Corporate Banking), The Federal Bank, The Bank of Rajasthan, South Indian Bank, State Bank Of India, State Bank of Indore, State Bank of Hyderabad, State Bank of Travancore, Syndicate Bank, Union Bank Of India, Vijaya Bank and Yes Bank customers. This means that a customer may use his bank account for paying any CCAvenue sub merchant. 

d) Cash Cards: CCAvenue processes Cash Cards to enable its merchants to reach audiences who do not own Credit Cards, Debit Cards, net banking accounts or even a mobile phone. Currently, you can accept payments from Itz Cash Cards. 

e) Mobile Payment Facility: The emerging instrument of payment is the mobile payment platform. PayMate/GiftMate and SBI Mobile, two of India’s leading Mobile Payment Brands are currently live with CCAvenue. Your customers can accept pay for products and services through their mobile phones. 

To get your payments you need to "capture" your transaction from the accounting module. When a transaction is successful from the payment gateway this is reflected in your account with CCAvenue in pending mode. You as the merchant will have to login to your account on www.CCAvenue.com and mark the transaction as shipped / executed and enter relevant data requested.

PAYMENT CYCLE:
You have 12 days from the receipt of the orders to execute and capture the order amounts. If your business model demands that you capture the amount in advance for future delivery, i.e. a period beyond 12 days from receipt of the order, and your customer is explicitly agreeable to this, then you may do so before the 12th day. Orders not captured will not be reflected in your account after this. 

Orders can be accessed by logging into your CCAvenue Account with the username and password registered on sign-up. 

All orders shipped/executed until Thursday midnight IST are processed for payment the following day. Transactions are then paid-out to your designated bank account by depositing cheques in Mumbai to your bank account (if your bank permits it) or by sending you a Citibank at par cheque, encashable in your city, by courier to reach you no later than the next Monday or Tuesday. 

Modes of payment to choose from:
1) Direct NEFT settlement from CCAvenue to the merchant’s bank would ensure that the payouts happen without time loss and without dependency on the courier company. The dispatch details of the same will be emailed to you by Monday. 

2) Citibank at par cheque payable as a local cheque in your city, will be couriered every Friday evening via a PROFESSIONAL Courier and the dispatch details of the same will be emailed to you the following Monday. 

3) Alternatively, if you have an account in any of the banks listed below, your Cheque can be directly deposited to your account with same being reflected the next day.

Kindly Note: Master/VISA Payment Options are available through ICICI/Axis Bank and are subjected to an approval from the respective bank. A different set of documentation will be required with either of the banks opted by the merchant

Minimum Balance Requirement:
On commencement of the account CCAvenue will retain the first Rs 1000/- as a minimum balance requirement for keeping your account in live mode, in the same way as a bank account operates. Subsequently, all and any amount over this will automatically get paid out.

Features :

·    Set Up fee is a one-time fee only.

·    Facility to upgrade from economy scheme to premium scheme or privilege scheme by paying the difference in set up fees. No changes to be made at your end.

·    Shopping Cart and other services available for all schemes. 

·    All schemes have access to complete online Sub Merchant Account Management, with a central reporting facility on every transaction. This includes reports on sales, credits, voids Œ to support non-repudiation, balancing, portal settlement reporting, processor settlement reporting and other back office functions.

·    Visibility into transaction level information is protected by passwords.