ezimerchant Payment Gateway- more than a conduit to EFTPoS
Most payment gateways are simply that – a conduit to the EFTPoS network. It will facilitate the entry of credit card details and the purchase amount to the EFTPoS network and a confirmation or error response is returned. It doesn’t handle any of your business rules, like tax, freight or promotions.
A payment gateway alone needs an e-commerce platform if these rules are to be applied. There are a number significant benefits to the ezimerchant payment gateway
Multiple payment methods with consolidated reporting
Whether a payment is received via credit card, PayPal, Account or any of the many payment methods supported by ezimerchant, all the reporting is centralised through an easy-to-use single web based administrative interface.
Immediate or deferred payment capturing
Payments can be either captured immediately or authorised for later capture. For product sales where availability is never a problem and fraud risk is minimal, immediate capture makes sense. If you need to verify a transaction for fraud risk or stock availability, deferring the capture of funds to after the verification is better.
No design limitations on your payments page
A hosted payment page is the easiest way of complying with PCI DSS security. It’s the most secure option but most payment gateways only offer limited opportunity to add your logo to the page. Our hosted payment page is part of the template system so you have full control of its design without compromising security. This is a major benefit if you want to ensure seamless shopping experience for your customers.
If you need to bill a credit card again in the future, you typically need to keep the card details on file. This can expose you to significant risk associated with credit card fraud. With ezimerchant, credit card details are stored in a secure vault complying with PCI DSS requirements. To re-bill, you simply pass a reference transaction instead of credit card details.
API integration and reporting
A rich API (Application Programming Interface) is available to integrate all aspects of the ezimerchant e-commerce platform including payment processing into your existing systems. This opens up endless possibilities, including:
- Handling API notifications of purchases and payments to automatically update your back-end systems
- Initiating a purchase or payment flow from your existing back-end system.
Accounting system integration
Thanks to ezimerchant’s integration with the Xero accounting system, purchases and payments can be updated in real-time. The API also makes it possible to achieve full integration with other back-office platforms, whether off the shelf or internally developed.
ezimerchant continues to respond to our customers’ needs. As demand for more accounting system integrations grows, you can be sure the ezimerchant crew will add them.