Payment Gateways

 

If you are operating an e-commerce shop you need to be able to accept credit cards in real time. There are two ways you can do this:

1. Obtain an online merchant facility and utilise a payment gateway
2. Setup a Paypal account and direct customers through the Paypal website

You can also offer both of these options to your customers (this is infact best practice as Paypal is becoming an increasingly popular payment method).

Can I use my Offline EFTPOS Machine?

Even if you already have an offline merchant facility for EFTPOS and credit card transactions, you will need a separate one for online transactions. An online merchant facility usually attracts higher fees than an EFTPOS facility as the risk of card not present transactions to the issuing bank is higher.

Obtaining a Merchant Facility

When choosing a bank to obtain your merchant facility from, you must also choose a payment gateway (a 3rd party that acts as the connector between your bank and website). Some merchant facilities such as NAB transact and ANZ eGate include their own payment gateways negating the need for you to utilize a 3rd party payment gateway.

Neto integrates seamlessly with the following payment gateways:

• Securepay (www.securepay.com.au)
• eWay (www.eway.com.au)
• Camtech (www.camtech.com.au)
• Securepay Tech (www.securepaytech.com)

These gateways service most of the major banks in Australia.

You should therefore apply for an API merchant facility that connects to either one of these payment gateways with your bank of choice.

If you do not want to use a 3rd Party Payment Gateway we suggest:

• NAB and NAB Transact
• ANZ and ANZ eGate
• Commonwealth Bank and Commweb
• St George Payment Services
  

How To Apply For an Online Merchant Facility

When you apply for an online merchant facility with your bank or financial institution you may be asked to complete a PCI Compliance Self Assessment Questionnaire as well as provide proof that your service providers are PCI compliant. In such cases you can request a copy of Neto's Attestation of Compliance and latest PCI compliant scan reports from its authorised scanning vendor, Comodo.

In addition to these documents you will also need to complete a PCI Compliance Self Assessment Questionnaire. SAQ A is the correct SAQ for Neto merchants to complete provided they are hosted with Neto and are using the standard Neto E-commerce Suite.

Prior to submitting your merchant application you will also need to ensure that you have a live or testing website setup with the following pages active:

1. Privacy Policy
2. Terms and Conditions
3. Returns Policy

You will also need to clearly display your business name, ABN, address and products and services sold on your website. The bank will want to view the above prior to approving your facility.

Once You Have Been Approved By Your Bank

Once the bank has approved your application, you will need to forward your merchant ID and terminal ID to your chosen payment gateway so that they can complete setup. This process usually takes about 24 hours.

Once the gateway has completed setup they will email you with your test and live transaction ID's and passwords. You can enter these directly into your Neto backend to active your credit card processing facility.

If you are not utilizing a 3rd party gateway (eg: NAB Transact or ANZ eGate), these institutions will provide you with transaction ID's and passwords directly.