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A payment gateway is the engine that fuels the communication and transmission of data between the functional components of the payment process. It relays the request for payment (which may come from a shopping cart, a virtual terminal, an in-house accounting system, or even a retail terminal) in the appropriate electronic format to the appropriate entity (a bank, Visa/MasterCard, or processor). Then it relays the response or authorization that sets the funds transfer activity.
Security Features
Security is important before, during and after the payment processing process. To fully ensure security, Qualified Merchant Payment Solutions employs proven technology to transmit data safely and best practices procedures to safeguard consumer data. Qualified Merchant Payment Solutions is PCI compliant, which requires diligent adherence to anti-fraud measures to protect merchants and consumers.
Our Gateway utilizes Secure Socket Layer (SSL) authentication and encryption technology. This is patented technology developed by Netscape Communications and relies on encryption developed by RSA Data Security, Inc. and other cryptographic providers. SSL encryption protects information being transmitted across the Internet from third parties.
Integrating with Our Gateway
Our Virtual Terminal, shopping cart and product catalog are pre-integrated tools that merchants can use easily and immediately to process payments securely and efficiently. Smaller merchants benefit from these tools that speed the development of powerful customized eCommerce applications and give websites a professional appearance.
Larger merchants with more complex product lines, software companies, and ISPs may choose to use our API to integrate directly with the Gateway. Qualified Merchants provides complete integration information, guides, and toolkits along with technical advice and documentation for using the Qualified Merchant Gateway, Virtual Terminal and Shopping Cart.
How Encryption Works
When remote servers or customer's web browsers access the Qualified Merchant Gateway Commerce Server, the connection between the 'client' and our Commerce Server becomes a dedicated 'link'. This is done by the exchange of keys between our Commerce Server and the 'client', which each use the keys for encrypting and decrypting the data which is passed between the connection. This allows the 'client' to send information that is encrypted and would appear as jumbled or mangled text across the Internet to the Qualified Merchant Gateway Commerce Server where the data is decrypted. Most web browsers have a method of notifying you or your customers that they are on a secure connection with a server, which uses SSL technology. Clues that you are on a SSL server include locks on toolbars, keys, and solid blue lines around your browser.
About Payment Card Industry (PCI) Compliance
The PCI Standard is a mandatory global standard established by the Card Associations to ensure the protection of cardholder data. Based on twelve guidelines, the PCI Standard requires merchants to make their physical and virtual environments secure to ensure protection of cardholder data. As a merchant accepting credit cards as a form of payment, you are required by the Card Associations to adhere to the PCI Standard. The PCI standard encompasses the security programs from Visa and MasterCard, CISP and SDP, respectively.
The PCI standard sets technology requirements such as the use of data encryption, end-user access control, and activity monitoring and logging. It also includes procedural mandates, such as the need to implement formal and documented security policies and vulnerability-management programs. Compliance with the standard applies to all types of merchants, retail, mo/to, and Internet. All merchants need to follow best practices for storage and destruction of all paper or electronic records containing account numbers or cardholder data. Additionally, merchant service providers processing credit cards need to be PCI compliant. To verify that Qualified Merchant Payment Solutions is compliant, click here.
Importance of PCI Standard Compliance and/or Certification:
It is clear that ensuring the safety of your customers' cardholder information can help your business strive to create and maintain a positive image, enhance customer confidence and even assist in improving your bottom line. Additional benefits include:
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