In order for QuidLink Social Payment System to do the connection between the system and the banks it needs to go through payment gateway. A payment gateway is a secure online link between the business and the acquiring bank. It is responsible of validating the customer’s card details, before collecting payment and send it to the business account.
Example of a QuidLink payment process using payment gateway:
- Payer approve the transaction, enter payment method details (credit/debit cards) and submit it.
- Using SSL encryption, the browser encrypts the data and send it to tQuidLink Web Server.
- QuidLink send the transaction details to the payment gateway using SSL encrypted connection.
- The payment gateway sends the transaction details to the payment processor used by the QuidLinj acquiring bank
- The payment processor sends the transaction details to the card association (Visa/MasterCard …etc)
- The card association routes the transaction to the correct card issuing bank
- The card issuing bank receives the authorisation request and does fraud and credit or debit checks and then sends a response back to the processor with a response code (eg approved, denied). In addition, the response code is used to define the reason why the transaction failed (such as insufficient funds). Meanwhile, the credit card issuer holds an authorisation associated with that merchant and consumer for the approved amount. This can impact the consumer’s ability to further spend (because it reduces the line of credit available or because it puts a hold on a portion of the funds in a debit account)
- The processor forwards the authorisation response to the payment gateway
- The payment gateway receives the response, and forwards it on to QuidLink web server where it is interpreted as a relevant response. This is known as the authorisation
- The entire process typically takes 2–3 seconds
- QuidLink will repeat this process to clear the authorisation by completing the transaction.
After analysing several payment gateways we decided to go for the payment gateway provided by EWAY because of the following reasons:
- Compliant with our suggested standard (Payment Card Industry Data Security Standard)
- Accept the payment within QuidLink web server.
- process the transaction immediately.
- highest security standards set by Visa and MasterCard.
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