Cardholder present (CHP) solutions are provided through a payment terminal (or multiple payment terminals) on site with the merchant to perform the transaction with the consumer face to face. The transaction is delivered using chip and pin technology through the payment terminal.  There are 3 different types of equipment;

 

Fixed/Countertop - The equipment is wired, usually placed on a counter top and connected to a telephone line which is used to access the banking infrastructure either by dialling up or over a fixed broadband connection when processing a transaction. The software on the device encrypts the transaction information when transmitting to ensure the payment is made securely. The device commonly connects to point of sale equipment (POS/EPOS).

 

Portable/WiFi - The equipment is wireless, using Bluetooth or WiFi connectivity to a base station connected to a telephone line which is used to access the banking infrastructure either by dialling up or over a fixed broadband connection when processing a transaction. The software on the device encrypts the transaction information when transmitting to ensure the payment is made securely. The device commonly connects to point of sale equipment (POS/EPOS).

 

Mobile/GPRS – Mobile payment terminals are becoming increasingly popular with smaller businesses, particularly businesses that conduct trade on the road at exhibitions, markets, trade fairs etc. These devices provide secure payment capability with the transaction transmitted over a mobile connection. The connectivity is provided using a global roaming SIM allowing for connectivity across all the major operator networks to provide a better chance of coverage in all locations. Mobile devices are not connected to any point of sale equipment (POS/EPOS).

Online card holder not present (CNP) solutions are those that let you buy and pay for products and services online. The merchant is given access to a series of integration options, so they can securely pass customer information to the infrastructure to complete the credit or debit card transactions returning an accepted or declined response as appropriate.

Access to our system that allows a merchant to see real time transaction data, to analyse and produce reports quickly and easily. This can be done remotely via web access

SchedulePay: Provides the ability for merchants to setup recurring credit and debit card transactions with their consumers, processing weekly, monthly, quarterly or annually. SchedulePay agreements will continue until they are cancelled, the card expires or the payment fails, at which point a notification is shown within the Revolution portal giving the opportunity for the merchant to update the SchedulePay agreement to new details as required.

Tokenisation: Gives a merchant’s customers the flexibility to make repeat purchases without having to re-input their credit and debit card details. The card information is stored securely within the NetPay PCI DSS Level 1 compliant infrastructure reducing the level of PCI DSS compliance required by the merchant.

Solutions hosted on a PCI DSS Level 1 compliant Payments Network.

 

There are a number of ways to link a site to the infrastructure, and full support is provided

MOTO transactions are performed over the internet by the merchant using a 'virtual terminal' with the consumer either being on the end of the phone or having submitted their credit or debit card details via a mail order. A virtual terminal is effectively a secure payment screen within our portal web browser that enables the merchant to input the various personal details of the consumer including their credit or debit details and submit them for processing.

Access to our system that allows a merchant to see real time transaction data, to analyse and produce reports quickly and easily. This can be done remotely via web access

SchedulePay: Provides the ability for merchants to setup recurring credit and debit card transactions with their consumers, processing weekly, monthly, quarterly or annually. SchedulePay agreements will continue until they are cancelled, the card expires or the payment fails, at which point a notification is shown within the Revolution portal giving the opportunity for the merchant to update the SchedulePay agreement to new details as required.