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Mobile Payment Gateway

Every day more and more Merchants provide EMVANTAGE Mobile Payment facility to their customers.. The customers love how easy it is to use, and so do the Merchants. The world of payments is changing fast and with it the way people shop and make payments is also changing. EMVANTAGE Mobile Payments Mobile Money transfer and Mobile Bill Payments has been designed for convenience and security during the Mobile based Payment Transactions. To address this growing requirement, EMVANTAGE has developed Mobile Payment solution, which is versatile to address the ever-growing requirements of mobile-based payments, facilitating evolving technology

  • 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

A summary of Features and Capabilities of EMVANTAGE's Mobile Payment Gateway are:

Emvantage, Convenient | Secure | Fast | Affordable   Emvantage, Convenient | Secure | Fast | Affordable   Emvantage, Convenient | Secure | Fast | Affordable

Enables merchants to accept payments on their mobile via payment cards (including credit cards, debit cards, prepaid cards, loyalty points, QR Code, Mobile Coupons etc) using, Mobile Phone Internet, NFC, IVRS, IMPS, Mobile Swipers etc through a hosted solution, capable of integrating with Merchant's, Bank's and Aggregators network 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.

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". Ensure protection from Cardholder initiated Transaction Repudiation for non-participation through various innovative evaluation criterias.

Mobile Payment Gateway

The customers and Merchants love the easy and innovative way to shop using their mobile phones. The world of mobile is changing fast and so do the world of payments is catching up! EMVANTAGE Mobile Payments is designed for providing convenience and security during the Mobile based Payment Transactions. To address this growing requirement, EMVANTAGE has developed Advanced and Versatile Mobile Payment solution, addressing the requirements of evolving Mobile technology.

Merchant Payment Application

Integrate the Payment application with freely download merchant apps hat link the merchant account and online payment. Your customers will pay using their smartphone or iPad in minutes by selecting various payment options.

Adaptable Mobile Payment Page

EMVANTAGE Online Payment page is adaptable for Mobiles phones and is capable of dynamically adjusting itself according to the screen size of thousands of Mobile Phone.

QR Code based Payment

Give your customers unique buying experience with EMVANTAGE QR Code based Payment. Generate your own QR Code for each product / advertisement and encourage your customers to pay online securely using their Smartphones QR Code reader. This helps in capturing the impulse of Purchase thus increasing sales.

Tokenization & Express Checkout

To provide Security with Advanced Buying behavior, your customers may save their card details with Nick names using our unique PCI DSS Architecture. This helps your customers with speed and convenience during the purchase thus encouraging the repeat transactions from your customers.

IVRS based Payment

Our unique IVRS based Payment management system provides the merchants with additional revenue opportunities by allowing one of the most convenient way to pay using IVR Payment.

Emvantage, Convenient | Secure | Fast | Affordable

Merchant Payment Application

Integrate the Payment application with freely download merchant apps hat link the merchant account and online payment. Your customers will pay using their smartphone or iPad in minutes by selecting various payment options.

Emvantage, Convenient | Secure | Fast | Affordable

Adaptable Mobile Payment Page

EMVANTAGE Online Payment page is adaptable for Mobiles phones and is capable of dynamically adjusting itself according to the screen size of thousands of Mobile Phone.

Emvantage, Convenient | Secure | Fast | Affordable

QR Code based Payment

Give your customers unique buying experience with EMVANTAGE QR Code based Payment. Generate your own QR Code for each product / advertisement and encourage your customers to pay online securely using their Smartphones QR Code reader. This helps in capturing the impulse of Purchase thus increasing sales.

Emvantage, Convenient | Secure | Fast | Affordable

Tokenization & Express Checkout

To provide Security with Advanced Buying behavior, your customers may save their card details with Nick names using our unique PCI DSS Architecture. This helps your customers with speed and convenience during the purchase thus encouraging the repeat transactions from your customers.

Emvantage, Convenient | Secure | Fast | Affordable

IVRS based Payment

Our unique IVRS based Payment management system provides the merchants with additional revenue opportunities by allowing one of the most convenient way to pay using IVR Payment.

Emvantage, Convenient | Secure | Fast | Affordable

Mobile Prepaid Wallet

With EMVANTAGE Mobile Payment Technology, your existing services reach beyond social boundaries. From Mobile Payment like prepaid mobile wallet to NFC Mobile Payment, EMVANTAGE delivers a portfolio of Mobile Payment Solutions relevant to your strategies to achieve the highest ROI and create a competitive advantage for yourself.

Emvantage, Convenient | Secure | Fast | Affordable

Security - The latest security features give you the peace of mind that the customer data, transactions and reputation are protected through our Advanced Security an Fraud management engine, customized for Mobile use.

Emvantage, Convenient | Secure | Fast | Affordable

The EMVANTAGE Mobile Wallet with Cardless Cash Access Platform gives financial institutions and their customers control on flow of Money. Institutions and their customers can add debit, credit, stored value and loyalty cards, as well as redeem mobile coupons and target offers to the endusers.

Emvantage, Convenient | Secure | Fast | Affordable

Mobile NFC Payments

         

EMVANTAGE Near Field Communication or Mobile NFC uses the next generation short-range high frequency wireless communication for the exchange of data between Mobile Phone and POS Terminals. Mobile handsets, which are either NFC enabled, or NFC Tags pasted to Mobile phones are primarly used targeting the payment solutions where Speed of transaction is important.

Emvantage, Convenient | Secure | Fast | Affordable

EMVANTAGE Mobile NFC Payment Solution built on top of the NFC enabled mobile handsets / NFC Tags enables users to pay instantly through other NFC enabled POS devices. The technology is built up on the existing RFID standards operating at 13.56 MHz and can transfer data at up to 424 Kbits/second.

Emvantage, Convenient | Secure | Fast | Affordable Emvantage, Convenient | Secure | Fast | Affordable

For Merchants the solution is backed up by Strong CRM with Analysis and Reporting tool like, Transaction Alerts, Failure Analysis, Reconciliation and Reporting, Transaction Management CRM, SMS and e-mail alerts etc

Peace of mind

Your data is stored securely on our PCI DSS Certified servers and not on the Mobil Swiper. Credit card information is encrypted in the swiper itself using Advance Encryption Software. Losing your device doesn't mean losing your business.

Mobile Swiper Solution

The Fully Managed EMVANTAGE Mobile Swiper solution is developed keeping in mind the growing requirements of medium and small merchants for POS applications supporting EMV, PIN and Magstrip transactions using bank Credit and Debit card (with or without PIN) with transaction types like Sale, Void, Refund, Settlement etc.

Components of Mobile Swiper Solution

  • Issuance Infrastructure for Mobile Swipers

  • Merchant Management Tool

  • Server application for transaction management

  • Reporting: EMVANTAGE MOBILE SWIPER Admin Portal, accessible for pre-registered users (Merchants, Banks, Franchise, Resellers, Cardholders etc)

  • Easy management of Merchant on-boarding and KYC

  • Reduced burden for merchant administration through optional real-time online transaction management and reporting system.

  • Online real-time transaction management and reporting system.

  • End of Day settlement reports for merchants.

  • Each transaction creates unique ID for easy reconciliation for the merchant and banks while ensuring that transactions are readily traceable.

  • For Bank, it brings convenience of 24x7 reporting tools availability through net available at website.

  • Mobile Application also stores Merchant Profile which can be managed / changed remotely by Payment Gateway.

  • Mobile Application works on Android.

 
  • Risk Management Parameters:

    1. Threshold for Sale transactions

    2. Merchant Categorisation with Transaction Velocity Limit and count

    3. Time Period for the POS Validity

  • ISO 8583 based POS message format

  • Best of breed Mobile Swiper Host Platform, which provides flexibility of management of transactions and reporting’s

  • Provision to settle through daily flat file, containing the days records

  • End to end security management.

  • Cost optimization and speed of processing by leveraging IP technology.

  • Specification, implementation, validation, monitoring & maintenance of the solution.

  • A flexible reporting tool providing visibility of transactions, merchant management and reconciliation.

  • Pro-active advice and technical expertise.

  • Mobile application or the Mobile Decryption Application does not keep any record.

EMVANTAGE Mobile Swiper Solution

Emvantage, Convenient | Secure | Fast | Affordable
IMPS  ( Immediate Payment Service )

The world of payments is changing fast and with it the way people shop and make payments is also changing. EMVANTAGE IMPS Mobile Commerce suit including Mobile Money transfer and Mobile Bill Payments has been designed for convenience and security during the Mobile based Payment Transactions. To address this growing requirement, EMVANTAGE has developed IMPS Mobile Payment solution, which is versatile to address the ever-growing requirements of mobile-based payments, facilitating evolving technology providing IMPS based payment transactions.

Emvantage, Convenient | Secure | Fast | Affordable

Features & Capabilities

The EMVANTAGE IMPS payment gateway has been developed with the objective of bringing the latest technology and resources together with continuous system enhancement keeping pace with the evolving, industry-best standards. The Features and Capabilities of EMVANTAGE IMPS Gateway are summarised below.

   
Emvantage, Convenient | Secure | Fast | Affordable

Advantage of EMVANTAGE IMPS based Mobile Payment Solution

The EMVANTAGE IMPS Payment Gateway is the one-stop, complete m-Commerce solution that includes processing payment transactions originating from Mobile Phones, managing merchant accounts including providing real time information about transaction status bundled with real-time risk suite analysis and fraud management. With EMVANTAGEIMPS solution, merchant avoids the hassles of dealing with multiple stakeholders for payment processing.

   
Emvantage, Convenient | Secure | Fast | Affordable

Refund Transaction

In case of any refund request from the merchant, option is provided to the merchant via the EMVANTAGE IMPS Mobile application or EMVANTAGE IMPS Payment Gateway website to request for refund from bank alongwith following details:

  • Merchant transaction id
  • Amount
  • Bank reference number
  • Date of transaction
Emvantage, Convenient | Secure | Fast | Affordable

Transaction Checks and Validations

The EMVANTAGE IMPS Payment Gateway has been built with appropriate checks and validations to avoid any of the following issues:

  • Wrong Transaction ID generated
  • Wrong amount entered by customer
  • Reconciliation issues
  • Transaction Lost
  • Transaction declined by acquiring bank
  • Transaction declined by issuing bank
  • Wrong option selected for payment
  • Timeout
  • Transaction rejected by NPCI
  • Communication failure by any participant in the system
  • Transaction reversal advice
  • Transaction settlement or posting at banks customer or merchant account
Emvantage, Convenient | Secure | Fast | Affordable

Transaction Reports

Every transaction (successful or unsuccessful) is recorded in the EMVANTAGE IMPS Payment Gateway with a unique transaction ID for future reconciliation. EOD report for all transaction of the bank’s account is forwarded to the bank and posted on the website for bank’s view.

EMVANTAGE can also help the bank in the following:

  • Creating Merchant onboarding process and policy
  • IMPS Merchant Agreement
  • Settlement and reporting process
Emvantage, Convenient | Secure | Fast | Affordable

Transaction Security

  • HTTPS
  • MMID and Mobile Number of customer Masking in Merchant application
  • Secure development and deployment environment
  • ID and Password based access
  • Fraud and Risk Management Solution
  • Controls at Merchant Management via Administration Modules.