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EMVANTAGE Payment Gateway is a Secure, Robust and powerful Online Payment Gateway capable of handling high volume of transactions securely with Multiple Payment options using unlimited bandwidth, redundancy and advanced networking architecture.

Features
& Capabilities
  • Express Payment Option
  • Highest Conversion Rate
  • Social Network Payments
  • Excellent Customer Support
  • iFrame based Payment
  • IVR Facility
  • Express Payment Option
  • Highest Conversion Rate
  • Social Network Payments
  • Excellent Customer Support
  • iFrame based Payment
  • IVR Facility
New Features of Payment Gateway
  • Emvantage, Convenient | Secure | Fast | Affordable
  • Emvantage, Convenient | Secure | Fast | Affordable
  • Emvantage, Convenient | Secure | Fast | Affordable
  • Emvantage, Convenient | Secure | Fast | Affordable
  • Emvantage, Convenient | Secure | Fast | Affordable
  • Emvantage, Convenient | Secure | Fast | Affordable
  • Payment Box in Merchant's checkout page with Express Checkout Option
  • Online Refund Process
  • Customer friendly facility for Full / Partial Capture and Full / Partial Refund
  • Batch Processing and Standing Instructions
  • Unsuccessful Payment returning to Merchants Payment option page
  • Capture indicator with Auto Capture Option
  • Dedicated Merchant Administration Tool for transaction view of Void / Refund / Chargeback support; Option for Transaction Void and Refund with control at Bank and Merchant end to manage the return of goods or unsuccessful deliveries
  • Standing Instructions on all types of Credit Cards / bank accounts
  • Ready Shopping Cart for Merchants new to business
  • Auto invoicing facility for Merchants
  • Inbuilt Billing and SLA Module for all participants
Payment Mode & Payment Options
Emvantage, Convenient | Secure | Fast | Affordable

EMVANTAGE, the next generation Online Payment Gateway, led by very strong management, specialists and technical team with relevant skill-sets and extensive experience in card payment domain aspires to make your EMVANTAGE relationship a grand commercial success. To contact us for your Online Payment Gateway requirements click here

Modes of payments :

  • Credit Cards: Visa, MasterCard, American Express etc.
  • Debit Card: Visa, MasterCard, Visa Electron, Maestro, Rupay etc
  • Prepaid Card: ITZ Cash & Other
  • Mobile Payments: Interbank Mobile Payment Service (IMPS)
  • Netbanking: Connecting to over 250 Million Bank Accounts
    1. State Bank of India Netbanking
    2. HDFC Bank Netbanking
    3. Axis Bank Netbanking
    4. ICICI Bank Netbanking
    5. State Bank of Hyderabad Netbanking
    6. YES Bank Netbanking
    7. Kotak Mahindra Bank Netbanking
    8. State Bank of Mysore Netbanking
    9. State Bank of Bikaner & Jaipur Netbanking
    10. State Bank of Travencore Netbanking
    11. State Bank of Patiala Netbanking
    12. Punjab National Bank Netbanking
    13. Central Bank of India Netbanking
    14. Indusind Bank Netbanking

Higher Transaction Success
Benefit from our advance architecture that reduces Link Hoppings, Network Drops and handles effectively the Seasonal Impulses providing the best in the industry Transaction Success Rate.

Fraud Detection & Prevention
EMVANTAGE Fraud Detection and Prevention Solution is a fully automated and highly customizable transaction screening platform using highly advanced algorithms consisting of over 1000 parameters using most advanced security practices including Artificial Intelligence Algorithms.

Quick Integration & Early Onboarding
With 30+ ready to integrate Shopping Cart kits, and 10 days bank approval process, we aspire for customer delight through our dedicated relationship, operations and technical support team.

Higher Transaction Success
Benefit from our advance architecture that reduces Link Hoppings, Network Drops and handles effectively the Seasonal Impulses providing the best in the industry Transaction Success Rate.


Fraud Detection & Prevention
EMVANTAGE Fraud Detection and Prevention Solution is a fully automated and highly customizable transaction screening platform using highly advanced algorithms consisting of over 1000 parameters using most advanced security practices including Artificial Intelligence Algorithms.

Quick Integration & Early Onboarding
With 30+ ready to integrate Shopping Cart kits, and 10 days bank approval process, we aspire for customer delight through our dedicated relationship, operations and technical support team.

Key Benefits

EMVANTAGE provides comprehensive management of online payment transactions. It is backed by compliance with regulatory and payment scheme requirements, including PCI-DSS V3.1.

 

EMVANTAGE Payment Gateway has been developed by bringing together world class latest technology and resources. EMVANTAGE focuses on continuous system enhancement to ensure best industry standards, at no additional cost to Merchants, Banks and Aggregators.

Features and Capabilities

  • Emvantage, Convenient | Secure | Fast | Affordable Enables merchants to accept payments on their website via payment cards (including credit cards, debit cards, prepaid cards, loyalty points etc) using Internet, Mobile Phones, NFC, IVRS, POS, Mobile Swipers etc through a hosted solution, capable of integrating with Bank's and Merchant's network environments with minimal impact.
  • Emvantage, Convenient | Secure | Fast | Affordable It brings convenience of online dashboard 24x7 backed by Strong CRM with Analysis and Reporting tool like, Transaction Alerts, Failure Analysis, Reconciliation and Reporting, Transaction Management CRM, SMS and e-mail alerts, Call centre to assist merchants, banks and cardholders.
  • Emvantage, Convenient | Secure | Fast | Affordable Offers complete secure payments and peace of mind with "MasterCard SecureCode" and "Verified by Visa" and other 2nd factor authentications like "One Time Password". This will ensure protection from Cardholder initiated Transaction Repudiation for non-participation.

Reduce Cost

Advantage of EMVANTAGE CRM

Backed by strong CRM, EMVANTAGE the next generation Online Payment Gateway, provides complete detailed information on step-by-step progress of the payment transaction from Authorisation to Remittance.

With 24*7 Dashboard and Online MIS Reports, Merchants, Banks and Aggregators can manage their business better through the transaction database and MIS reports made available online by EMVANTAGE.

The CRM has been designed to provide critical data at the click of a button. Its advance architecture helps in saving time and increasing efficiency with the objective of helping in reducing cost for all stakeholders.

Advantage of EMVANTAGE CRM

Backed by strong CRM, EMVANTAGE the next generation Online Payment Gateway, provides complete detailed information on step-by-step progress of the payment transaction from Authorisation to Remittance.

Emvantage, Convenient | Secure | Fast | Affordable

With 24*7 Dashboard and Online MIS Reports, Merchants, Banks and Aggregators can manage their business better through the transaction database and MIS reports made available online by EMVANTAGE.

Emvantage, Convenient | Secure | Fast | Affordable

The CRM has been designed to provide critical data at the click of a button. Its advance architecture helps in saving time and increasing efficiency with the objective of helping in reducing cost for all stakeholders.


Economy Setup Fee 10,000                  

TDR


2.75%
(Credit/Master/Visa Card)

1.50%
(Debit )

2.75%
(Netbanking )

4.50% (Minimum Rs 3.00)
( American Express )

3.25%
(All International)

NA
(EMI)

1.50%
(IMPS)

4.90%
(Cash Cards)

NA
(Facebook Buy Button/Facebook Buy Button/Invoice/QR Code/Campaign/Email Payment)

3600
(Annual Maintenance Charges)




Premium Setup Fee 20,000                  

TDR

2.50%
(Credit/Master/Visa Card )

1.25%
(Debit Card )

2.50%
(Netbanking )

4.00% (Minimum Rs 3.00)
( American Express )

2.75%
(All International)

NA
(EMI)

1.25%
(IMPS)

4.00%
(Cash Cards)

NA
(Facebook Buy Button/Facebook Buy Button/Invoice/QR Code/Campaign/Email Payment)

3600
(Annual Maintenance Charges)




Privilege Setup Fee 30,000                  

TDR

2.25%
(Credit/Master/Visa Card )

1.00%
(Debit Card )

2.25%
(Netbanking )

3.60% (Minimum Rs 3.00)
( American Express )

2.50%
(All International)

1.50% + Bank Charges + TDR
(EMI)

1.00%
(IMPS)

3.50%
(Cash Cards)

1.50% + TDR
(Facebook Buy Button/Facebook Buy Button/Invoice/QR Code/Campaign/Email Payment)

3600
(Annual Maintenance Charges)




Promotional Offer                                 
Customised Offer for Volume
Higher than 50 Lakhs


You may upgrade to higher scheme by paying the differential Setup Fee.
+ Applicable Taxes Extra
Payment Remittance on T+2 Basis

 
Setup FeeEmvantage, Convenient | Secure | Fast | Affordable10,000
Best Suited for
Transaction below
Rs 1 Lakh Per Month
Setup FeeEmvantage, Convenient | Secure | Fast | Affordable20,000
Best Suited for Transaction between Rs 1 Lakh and Rs 5 Lakhs Per Month
Setup FeeEmvantage, Convenient | Secure | Fast | Affordable30,000
Best Suited for Transaction above Rs 5 Lakhs to Rs 50 Lakhs Per Month
Promotional Offer
Customised offer for
volume higher than
Rs 50 Lakhs
Transaction Discount Rate (TDR)
Credit/Master/Visa Card/NetBanking 2.75% 2.5% 2.25% Customized Offer
Suiting your
requirement
Debit Card/IMPS 1.50% 1.25% 1.00%
American Express / JCB 4.50%(Minimum:Rs 3.00) 4.00% 3.60%
All International
Transaction
3.25% 2.75% 2.50%
EMI's NA NA 1.50% + Bank charges + TDR
Cash Cards 4.90% 4.00% 3.50%
Facebook Buy Button/Invoice/QR Code/Campaign/Email Payment NA NA 1.50% + TDR
AMC 3600 3600 3600
 

You may upgrade to higher scheme by paying the differential Setup Fee.
+ Applicable Taxes Extra
Payment Remittance on T+2 Basis

Unique Features of EMVANTAGE CRM 

Emvantage, Convenient | Secure | Fast | Affordable
  • Online Refund with Full or Partial Refund Option
  • Online Capture with Full or Partial Capture Option,
    Auto Capture Option, Capture time schedule indicator
  • Unsuccessful transactions are analysed and presented for reattempt
  • Batch Processing and Standing Instructions
  • Data Analytics, Auto Invoicing facility and CRM based Billing Module
  • Dedicated Merchant Administration tool for following transaction status viewing and action
    1. Authorisation, Capture, Settlement
    2. Void, Failed Transaction view, Refund, Reversal
    3. Chargeback Support
  • Payment Remittance tracking and complete Payment status updated from transaction to remittance through dedicated Merhant account
  • Void & Reversal Option Option is provided for transaction Void and Reversal for undeliverable Orders.

Refund Management Tool

Refund at EMVANTAGE is as easy as click in a box. Over 27 parameters are verified before the Refund process is activated by the system to ensure complete compliance for benefit of Merchant, Aggregator and the Bank,

Type of Refund Supported by Emvantage

Partial Refund: When part of transaction amount has been requested. Full refund: When full transaction amount refund has been requested.

Chargeback Management Tool

EMVANTAGE's chargeback management tool assists in merchants defending Chargeback claims effectively and presentment of Chargeback reply. It supports Small and Large Merchants in case of their Chargeback presentment using system tools and processes.

Simplify Operations

   
Emvantage, Convenient | Secure | Fast | Affordable

Transaction Alerts, Failure Analysis, Reconciliation and reporting's through Merchant's Dedicated Account Management Tool

EMVANTAGE Transaction Management System alerts the Merchant and Customer about transactions through email. The alert carries all information related to the transaction including the success / failure status and reason of failure (if any). Real time Online transaction report is provided to Merchant to view all transactions and manage sales

   
Emvantage, Convenient | Secure | Fast | Affordable

Transaction Risk Mitigation

The EMVANTAGE Risk Management System provides Risk Score for each transaction based on pre-identified rules, historic patterns with multiple filters and tools that work together to evaluate transactions for fraud indicators with combined logic. This provides a powerful and highly effective defense against fraudulent transactions and unwanted access to system tools.

   
Emvantage, Convenient | Secure | Fast | Affordable

Transaction Data Analytics For Fraud Detection

Suspicious Transactions are detected using system tools including transaction and network checks, IP & Geo-location analysis and other 1000 + security rules

   
Emvantage, Convenient | Secure | Fast | Affordable

Ready Payment Gateway Integration Tool

EMVANTAGE ready to integrate 30+ Shopping Cart Kits ease the integration process and reduce integration time from weeks to hours. The Online Bank approval process also reduces the approval time considerably.

   
Emvantage, Convenient | Secure | Fast | Affordable

Unsuccessful Transaction Analysis

Unsuccessful Transaction Analysis Tool, evaluates the type of decline / unsuccessful transaction and in case of potential of converting the transaction into payment, an immediate email with “Pay Now” button is sent to resume the transaction from where it was terminated. This increase the merchant transaction success rate and profitability considerably.

   
Emvantage, Convenient | Secure | Fast | Affordable

Human Touch

Although the transaction at EMVANTAGE are non Face to Face transactions, EMVANTAGE team makes special effort to remain in touch with customers to handhold the customer from through the onboarding, technical integration, monthly reviews and analyzing areas of improvement for contributing to Merchants revenue increase.

Helpdesk & Support

EMVANTAGE Customer Care team, provides single point of contact for Merchants, Banks and Aggregators for resolution of the following:

  • Complaints, Incident requests, Change requests
  • Requests for Information (Status checks, Enquiries, Complaints)
  • Facilitate the restoration of normal operational service with minimal business impact
  • Reduce occurrence of incidents through recognition of trends and proactive triggering of Problem Management and service improvement efforts
  • Improved Customer service, perception and satisfaction
  • Better-quality and speedier turnaround of customer requests
  • More meaningful management information for decision support
  • Real-time or near real-time reporting capability (ticketing, metrics, SLA compliance)
  • Consolidated enterprise view of operating performance metrics

Highest Security

Emvantage, Convenient | Secure | Fast | Affordable

Security Features

  • Online Fraud and Risk profiling of the customer / transaction
  • Security through Verified by VISA and MasterCard SecureCode and "One Time Password".
  • Entrust Security Certificate
  • 256-bit encryption for SSL encryption
  • PCI-DSS certification
  • Highly secure state of the art host based on Security related queries pre personalised for each bank and merchant, resulting in controlling and managing risk and fraud efficiently
Risk Mitigation

EMVANTAGE has developed online payment transaction infrastructure with objective of providing efficient Risk Mitigation and Fraud Prevention tools to our Merchant.

Emvantage, Convenient | Secure | Fast | Affordable

The dedicated Risk Management System setup through various rules and system checks, reduces the chances of inherent risk for Merchants and Banks.

Emvantage, Convenient | Secure | Fast | Affordable

We have taken significant precautions to ensure that risks are defined, identified, minimized, and communicated on regular basis to avoid and reduce possibilities of fraudulent transactions.