Payment Gateways

Depending on whether the online insurance application faces the broker intermediary or the consumer direct, there are a number of routes for collecting payments . . . on account by invoice, BACS, cheque and payment by credit and debit cards. Online payment clearance for credit and debit card payments is an essential component of many online insurance applications.

A number of decisions are relevant to the implementation of payment clearance for credit and debit card payments using an online payment clearance provider:

  • Decision to host the actual payment page(s) on your own host, which maximises control of content and styling, or to host the payment page(s) on the payment clearance provider's host.
  • Decision to retain cardholder information on your own host, which maximises control of continuous authority payments and administration, or to store only transaction "tokens" that are returned by the payment clearance provider's host.
  • Decision to support 3D-Secure additional validation, which is normally required in order to minimise chargeback liability.
  • Decision to support Mail Order/Telephone Order (MOTO) Call Centre transactions.
  • Decision how to access payment reports, reconciliation information and payments administration.
  • Connection to the payment provider's host(s) via SSL secured HTTP, or via a VPN.

PCI Security Standards CouncilA key consideration is where responsibility for Payment Card Industry Data Security Standards (PCIDSS) compliance lies. If the payment page(s) or the cardholder information are retained on your own host, then you have the responsibility to comply. Otherwise, the payment clearance provider will assume responsibility.

Discover IT has extensive experience implementing and managing interfaces with many of the popular online payment clearance providers, including those shown below. We have implemented also, and are managing, PCIDSS compliant servers.

ePDQ Datacash SagePay
 
WorldPay Netbanx The Logic Group
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