E-commerce Payment Gateway Brochure Pack.

1. CreditCall Product Summary
Payment Systems for Telesales,
e-Commerce, and Mail Order
“A technically Introduction The key benefits
CreditCall offers the highest value multi-
• Reliability and availability. Our
channel payment solution currently
superior robust network with multiple
available. Whether you are setting up a
processing nodes ensure unmatched
new enterprise or adding web, telesales or
solution, with PoS payment to an existing business,
reliability.
CreditCall can provide you with ultra-high • Cost effective processing. Benefit
industry- reliability card payment processing at from our simple “per transaction” with
exceptional rates. flexible pricing options and no hidden
standard charges. In comparisons with other
What is it? payment gateways, CreditCall is
security CreditCall offers a complete range of consistently the best value solution.
credit and debit card payment services
• Straightforward integration process.
credentials and based on the well-established CardEase
payment protocol. It is the secure link • All major banks supported.
class-leading between your systems and the bank, CreditCall is certified by all the major
through which your customers’ credit and UK banks as a payment service
provider - you can use your existing
reliability.” debit card transactions will pass. Uniquely,
merchant account.
with CreditCall, you are able to view,
manage and report on transactions via a • Multi-currency support. Available
common web-based management system, from most acquirers, some with
regardless of how the payments are taken. settlement currency options.
The entire processing service is operated
• Assistance with merchant accounts.
on a worldwide network of four
Through our banking relationships we
independent processing nodes, replicating
can support merchants looking to
data with each other in near real time
make savings on acquiring charges.
providing the highest levels of data
integrity and availability, all within a PCI • Free technical support.
DSS Level 1 certified security framework. Knowledgeable real people answer the
phone to support your business - no
The CreditCall payment products premium rate support lines or overseas
• Direct Integration of the call centres.
CardEaseXML payment protocol into
• Multi-level standalone or integrated
the merchant’s website, or call centre
reporting. We give you the tools to
telesales application allowing both fast
fully manage all transactions through
transactions and refunds.
either WebMIS or from your own
• Payment Page - a simple hosted web applications via a SOAP interface.
payment page able to be implemented
• Highest levels of security.
fast, with just a few lines of code.
CreditCall’s PCI DSS Level 1
• WebMIS - the comprehensive web- certification is your customers’
Merchants House South
based reporting system to manage assurance that their details are secure.
Wapping Road
transactions and produce reports.
Bristol BS1 4RW • Fraud prevention. You can be sure
United Kingdom • Virtual Terminal - An optional feature your business is protected as far as
within WebMIS allowing manual possible from fraud, since CreditCall
T 0117 930 4455 transactions to be entered for mail supports the latest 3-D Secure
F 0117 930 4477 order / telephone order (MOTO). technology used by the card schemes.
E enquiries@creditcall.co.uk
W www.creditcall.co.uk
Member
Security
Assessed

2. CreditCall e-Commerce Payment Processing
Hosted Payment Page
Introduction
“We chose
CreditCall provides a number of e-
Payment Page Commerce payment services under the
brand eKashu. eKashu Hosted Payment
Page is a simple, configurable, checkout
for its simplicity, page that can be called from any website
to give visitors the facility to pay for goods
plus the or services by credit and debit card.
reliability of the How it works.
When a visitor reaches the point in an e-
CreditCall commerce transaction where payment is
required, they click a “Pay now” button
system. We and are redirected to the eKashu Payment
Page to enter their card details.
simply cannot Authorisation takes place within seconds Customisable: Using CSS, the
and they are returned to the merchants merchant’s developer can maintain brand
website. No sensitive cardholder
afford to lose information needs to be taken or stored on
image by customising the payment pages
to the look and feel of the merchant’s site.
the merchant’s site, thereby removing the
transactions need to maintain highly secure encrypted
E-mail alert options: We can send an e-
mail to the merchant and/or customer to
databases, or obtain digital certificates.
though payment confirm the status of each transaction.
It is designed for merchants who use
Reporting/Management: Access to
shopping carts, have little experience in
system failure.” server side scripting, or who use shared
CreditCall’s WebMIS is provided free with
eKashu Payment Page so merchants can
web servers that do not offer database
view and manage all transactions and
services. It also has the benefit that
refunds from any web-enabled computer.
sensitive cardholder information is not
stored by the merchant, making PCI DSS Certified: CreditCall is Certified
compliance with PCI DSS less arduous. to the Payment Card Industry Data
Security Standard to Level 1.
Easy to set up: eKashu Payment Page is
readily integrated with most of the major NEW! PayPal option: If you have a
shopping carts. PayPal account, you can offer PayPal as
a direct payment method on the actual
Simple Integration: With just a few lines
payment page, as PayPal
of HTML, the website can be ready to
ExpressCheckout is now integrated.
accept payment. A straightforward
integration guide is provided for General Requirements for use:
developers.
• An e-Commerce Merchant Account*
Complete security: The merchant’s with a major UK or Irish Bank.
customers enter their card details on the
Merchants House South • A web developer conversant with
eKashu secure payment pages, so we
Wapping Road
take care of the transaction security for Basic HTML, scripts and CSS.
Bristol BS1 4RW
them. The merchant never sees the card • Optional - A PayPal account
United Kingdom
details, so is not responsible for keeping
them secure. *CreditCall is able to assist merchants
T 0117 930 4455
with setting up new or alternative
F 0117 930 4477 Anti-Fraud measures: Payment Page
merchant accounts at preferential
E enquiries@creditcall.co.uk fully supports CVV, Address Verification
acquiring rates. Contact CreditCall sales
W www.creditcall.co.uk System (AVS) and 3-D Secure (Verified by
for details.
Visa and MasterCard SecureCode, for the
best possible protection against fraud.
.

3. CreditCall Product Summary
3-D Secure Merchant Plug-in
“3-D Secure is a Introduction CreditCall’s 3-D Secure Solution
3-D Secure is a cardholder authentication CreditCall offers a fully compliant 3-D
technology employed by Visa (as Verified Secure solution which works within both
simple process by Visa) and MasterCard (as MasterCard our hosted payment page, and the fully
SecureCode). It is designed to provide an integrated CardEaseXML web payment
that delivers the additional safeguard against fraud for products. Known as CardEaseMPI it is a
cardholder not present transactions Merchant Plug-in operating using the
highest conducted over the web. 3-D Secure is HTTP POST protocol.
now mandatory for merchants accepting
possible payment by Maestro cards. Cards that are enrolled prompt the MPI to
redirect the client’s browser to the
security for web How it works authentication page of the card issuer.
The first time a customer goes to pay for The card holder will be asked for their
transactions an order on a 3-D Secure enabled website password and alternatively provided with
they will see a pop-up or inline window the ability to confirm their identity. Cards
and reduces appear asking them to register for Verified that are not enrolled in the scheme will
by Visa or MasterCard SecureCode with either prompt the MPI to redirect the
fraud risk for their issuing bank if they have not already client’s browser to the enrolment page of
done so. Once they have done this, and the issuer, or return control back to the e-
merchants and whenever they pay on a 3-D Secure Commerce site with the result of the 3-D
website in future, they will see a page from Secure transaction. When the 3-D Secure
shoppers their card issuing bank at the checkout process is complete the MPI returns
stage asking for a password. The bank will control to a merchant-specified success or
alike.” verify the password and the transaction failure page.
will continue as normal.
CreditCall does not charge for providing
Benefits to the Merchant this valuable service, and works directly
with the merchants acquirer to enrol the
• Reduced chargebacks. When a
merchant into the scheme. The process
customer has been verified using 3-D
typically takes two weeks.
Secure, the merchant will not be liable
for a chargeback if the customer later
denies the transaction. This is known
as the liability shift. The merchant can
still choose to accept a transaction that
has not been verified, although the
merchant would then have to contest
any future chargeback.
• Reduction in the possibility of fraud
since the use of stolen cards is made
Merchants House South far more difficult.
Wapping Road • Lower acquiring costs. Many acquiring
Bristol BS1 4RW banks charge less for 3-D Secure
United Kingdom
verified transactions
T 0117 930 4455
F 0117 930 4477
E enquiries@creditcall.co.uk
W www.creditcall.co.uk

4. CreditCall Product Summary
Token Authorisation for repeat e-
Commerce & MOTO transactions
“Token Auth Introduction
Token authorisation is a unique feature
that is built in to CreditCall’s
allows my loyal CardEaseXML e-Commerce payment
processing solution. It allows a merchant
customers to to effectively “store” a customer’s credit
card details to save them time and trouble
return and when placing a future order. This greatly
enhances the customer experience
purchase through speeding the transaction process,
yet is fully secured.
securely
How it works
without the The first time a customer goes to pay for
an order on the merchant’s site, the
need to re-enter authorisation is carried out via CreditCall.
In the returned authorisation message, a
all their card reference and a card hash (a
cryptographic digest or checksum
payment card generated from the card details) are
provided. The merchant can safely store
details. A great these values on the order entry system or
shopping cart, against the customer’s Key benefits
customer name. The card hash and reference • Faster subsequent transactions for
appear as random numbers bearing no loyal customers.
service!” relationship to the card details. • Likely increased order values and
order frequency.
When the customer makes a subsequent • Improved relationships with customers
purchase, the merchant can offer the through greater convenience.
option to pay with the previously used • Security of cardholder data is assured
card, and submit the card reference and though CreditCall’s compliance with
card hash to Creditcall for authorisation. PCI DSS.
CreditCall, being permitted to store the
actual card number under PCI DSS
conventions, can authorise the new
transaction using this cardholder data.
The immediate advantage is that a
returning customer is able to complete
transactions faster, with fewer clicks and
Merchants House South less data entry. This reduces purchase
Wapping Road abandonment and is likely to raise sales
Bristol BS1 4RW revenue.
United Kingdom
T 0117 930 4455
F 0117 930 4477
E enquiries@creditcall.co.uk
Security
W www.creditcall.co.uk Assessed

5. CreditCall Product Summary
WebMIS - CreditCall’s card
transaction management system
“A single web-
based
management
tool for web-
based, MOTO,
POS and
unattended
transactions.
Web-MIS
provides
unmatched
flexibility for
multi-channel Comprehensive transaction Virtual terminal
management To simplify entering MOTO (Mail Order /
retailers.” WebMIS is CreditCall’s industry leading Telephone Order) transactions, a simple
browser-based transaction management online form is provided within WebMIS.
system that is available to authorised Full address verification and CVV security
users anywhere they have web access. It is available, and transactions are
gives e-Commerce, Mail Order and authorised within seconds.
Telesales managers full access to their
transaction and settlement data; from an
SOAP interface
overview of how an entire store is
performing right down to manual For the most advanced integration of
confirmation of individual transactions. credit card transaction data into an
operators existing back-office systems, a
SOAP (Simple Object Access Protocol)
Refund processing and audits
interface allows clients to securely query
Merchants House South A secure log-in system allows only the CreditCall databases directly without
Wapping Road authorised administrators to action the the use of the web based service. Any
Bristol BS1 4RW voiding or refunding of transactions, and information in WebMIS is then also
United Kingdom as a further safeguard, refunds can only available programmatically via the
be made up to the value of the original WebMIS SOAP interface.
T 0117 930 4455 transaction. For audit purposes, offline
F 0117 930 4477 reports can be produced on demand, and
E enquiries@creditcall.co.uk are delivered as MS Excel or ZIP files.
W www.creditcall.co.uk
Member
Security
Assessed

6. CreditCall Product Summary
How to try out Virtual Terminal
Introduction
“CreditCall’s
CreditCall has a freely-accessible test
Virtual server for its WebMIS transaction
management system. The WebMIS
system includes a very useful facility
Terminal is the called “Virtual Terminal” that can be used
to manually enter card transactions. This
simplest is ideal for mail order/telephone order
businesses where the number of
possible way transactions per month will be small. It is a
web-based credit and debit card
to take acceptance solution that doesn’t need any
software to be installed.
payments by You can explore the WebMIS
demonstration system and try out the
credit or debit Virtual Terminal in complete safety, as
follows:
card over the 1. Go to https://testwebmis.creditcall.com
2. Log in using demo@creditcall.co.uk
phone.” and enter the password demo12345
5. Enter the transaction amount and card
data into the fields provided. You can also
You should see the main WebMIS page: enter a user reference to make it easy to
find your transaction when using the
reporting system later.
6. Click “Submit”, then confirm the
transaction in the next screen.
7. Click the “Reporting” tab in WebMIS to
locate your transaction, view the details of
it and try out the refund facility.
If you prefer not to use your own credit
card for this try-out, use one of these test
credit card numbers:
Visa
You can explore the various on-screen PAN: 4012 0000 3333 0026
reports available using the test data Valid From: 01/06
provided. Expiry Date: 12/20
3. To try the Virtual Terminal (for manually MasterCard
entered transactions and refunds), select PAN: 5301 2500 7000 0191
"Terminal" from the tabs along the top of Valid From: 01/06
Merchants House South
the page. This should open the on-screen Expiry Date: 12/20
Wapping Road
form into which the transaction details can
Bristol BS1 4RW Note: The CreditCall WebMIS test server
be entered.
United Kingdom is not connected to the banking system
4. Click the blue “Select “ button, and and transactions are not authorised or
T 0117 930 4455 select one of the demo terminals. In a live settled. Full card details are never visible
F 0117 930 4477 system a different terminal would be used so it can be used for unlimited testing
E enquiries@creditcall.co.uk for each currency you wish to accept without security worries.
W www.creditcall.co.uk payments in.