Payment Modes Acceptable


		American Express: The world's favorite card. With more than 57 million cards in circulation and growing! Around US $123 billion was spent last year through American Express Cards and it is poised to be the world's No. 1 card in the near future. In a regressive US economy last year, the total amount spent on American Express cards rose by 4 percent. American Express cards are especially popular in the U.S., Canada, Europe and Asia and are used widely in the retail and everyday spend categories.
		Citibank E-Cards: Citibank has launched a new initiative Citibank eCard to promote safe and secure E-shopping. Like a regular Credit Card but without a physical plastic, it is India 's first web Credit Card. The Citibank eCard can be used for all types of Internet shopping and transactions through telephone and mail order. You can also do all transactions available on Internet Banking, including utility bills and ordering a demand draft.
		Diners Club International: The world's No. 1 Charge Card. Diners Club cardholders reside all over the world and the Diners Card is an old corporate favorite. There are more than 8 million Diners Club cardholders. Diners Club cardholders are generally affluent, and are frequent travelers in premier businesses and institutions, including Fortune 500 companies and leading global corporations.
		JCB Cards: The JCB Card has a merchant network of 10.93 million spanning 189 countries. It is supported by more than 320 financial institutions worldwide and serves more than 48 million cardholders in 18 countries. The JCB philosophy of "identify the customer's needs and please the customer with Service from the Heart" is paying rich dividends as their customers spend US$43 billion annually on their JCB cards.
		VISA: The world's most preferred card. There are more than one billion cards in circulation, with unsurpassed acceptance in more than 150 countries. Visa-branded cards alone generate US$2.4 trillion in annual card sales volume. Nearly half of this in US alone.
		MasterCard: MasterCard International is a global payments company with one of the most recognized and respected brands in the world. With 32 million acceptance locations, no payment card is more widely accepted globally than MasterCard. Last year, MasterCard handled transactions worth US$285 billion.

Broaden your customer base to include Indian Bank Account Holders

Payment Gateway has been approved as a Super/Master Merchant by ABN AMRO Bank, Canara Bank, Citibank, ICICI Bank, Axis Bank, IDBI Bank, Centurion Bank, Corporation Bank, Punjab National Bank, Oriental Bank of Commerce,Karur Vysya Bank Limited, Kotak Mahindra Bank, The Federal Bank, Bank of Rajasthan, IndusInd Bank, HDFC Bank, State Bank Of India, Union Bank Of India and Yes Bank. This new technology solution allows e-merchants to accept online payment from their customers, via any of the following Credit Card brands.

Net Banking

Online Payment Gateway allows e-merchants to extend and integrate their websites to this payment gateway facility, and to accept payment from their customers. This is done by directly debiting from the customers' online account in any of the following banks/divisions.

Indian Banks

Easy Cash Card Payment Option for Indian Customers

Online Payment Gateway provides merchants with an easy Cash Card Payment Option - Itz Cash* for their Indian customers. Itz Cash Card is a popular payment option, ranking only second to Credit Cards on the Indian Railway site. In addition, they are easily available in convenient denominations at retail outlets across India.
This new payment option is available to any customer, i.e. you can now accept payments for your goods and services from customers who do not own a Credit Card, a net banking account or even a mobile phone. With this payment facility, a completely new segment of customers opens up for you.

*This payment option is only available for Indian consumers.

SECURITY

Security is a key concern for all parties when transacting online business. At Online Payment Gateway, we have ensured you have no worries on this front as you expand your operations in cyberspace. Listed here, are our key security measures:

Handling your customers' sensitive data

Online Payment Gateway adopts stringent security measures to ensure that critically sensitive information, such as your customer's personal information and their Credit Card details, are protected.
Your customers' entire Credit Card Authorization is done using through High End Secure Payment Gateway.
Your customers enter all their personal information and credit card details on Online Payment Gateway's secure server and the same is encrypted before it is transmitted over the Internet to the payment gateway.

Secure technologies for Online Payment Gateway's server

Online Payment Gateway's server is behind security firewalls to ensure maximum protection of your customer's details. This guarantees that your information is inaccessible to any third party.
Online Payment Gateway uses industry-standard SSL (Standard Sockets Layer) Technology, which is used worldwide, for this data encryption.
Online Payment Gateway also follows strict in-house security guidelines for ensuring confidentiality of your customer information.

Since the Payment Gateway application software is maintained at The Bank's secure high end server, new payment technologies, standards and features are automatically implemented as they emerge. The payment gateway is integrated with risk management component, which empowers them with the ability to control risk effectively. These robust risk management tools and fraud filters include:

Risk Management Rules and Parameters.
Negative File
Risk Management Queries, thereby making your E-commerce transactions safe and confidential.
Internationally Certified Security standards

Online Payment Gateway is registered with Verisign, the world's best and most trust worthy

Net Authentication Agency. Click here to verify our certificate.

Hence, with Online Payment Gateway by your side, the benefits of the latest technologies are yours without you having to change your interface. Stay ahead in the rapidly changing landscape of E-commerce. For now, no matter how fast the transactions grow in volume, regardless of your website size or hosting environment, things never go out of control.

PRICING AND TYPES OF SCHEMES

We are offering the following two schemes for you to choose from, as per your business model:-

Type of Scheme	Set Up fees [One time, Non Refundable]	TDR ** (Credit Cards/Cash Cards)	TDR ** (Net Banking/Mobile Payments)	Annual Software Maintenance Cost (Payable April, Every Year OR Pro Rata Thereof)
Premium Scheme	Rs. 25,000/-*	5% *	4%*	Rs. 2,400/-*
Economy Scheme	Rs. 7,500/-*	7%*	4%*	Rs. 1,200/-*

*Service Tax and Education Cess 12.36% extra

**TDR = Transaction Discount Rate

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Online Payment Gateway

If you have investigated launching an e-commerce effort, you would probably have noticed the steep learning curve and the daunting complexity involved. The exorbitant costs of e-commerce payment gateway solutions provided by financial institutions in India; the sheer volume of different software components and the challenge of integrating them, can discourage anyone from going into the business.

Online payment gateway solution have empowered thousands of e-merchants worldwide, with fast, secure, affordable and complete online transaction processing.
Online payment gateway is India's only third party payment processor to have transactional capabilities with all Credit Card brands, major online banking institutions, and mobile payment and cash cards options.

With online payment gateway, you are open for business to ANYONE, ANYWHERE, ANYTIME regardless of geographical boundaries, contingencies and astronomical operational retailing costs.

Benefits of using online Payment Gateway

Easy to implement :
online payment gateway is easy to implement at your site as it eliminates the need of any elaborate software, large database and expensive processing capabilities.
Minimises your costs and risks :
This enables you to reduce the costs and risks on expensive computing resources. All payment operations are handled and authorized by us, using a 24 x 7 high security payment gateway server, allowing you to focus on initiatives and strategies, which is profitable to your business.
Facilitates efficient customer service on your site :
Your customers are assured of fast and easy-to-access connections between your site and the payment gateway server. This server is installed on a robust Windows 2003 platform with multiple processors with RAID 10 (mirrored and stripped), and a dual ported controller, which allows quick and easy completion of transaction authorization.
Optimum transaction time :
The transaction is completed between 30 seconds and a minute, which in turn provides a positive shopping experience to your customer, resulting in repeat purchase of your products/services.

Indian Customers pay in Indian Rupees:

Online Payment Gateway accepts all Cards. Online Payment Gateway 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.