Diginet-solutions.com
373 69 527 525
info@diginet-solutions.com
Facebook
Twitter
Google+
  • Main
    • News
  • Website analytics
    • Website traffic
    • Event tracking
    • Dedicated server of web analytics
    • About Privacy of web analytics
    • Data collection limits in Google Analytics
    • Why metrics are different from other web analytics tool
  • Website monitoring
    • Broken links details
    • Most common HTTP Status Codes
  • SEO optimization
  • Payment gateway
    • Preliminarily steps before payment
    • Payment options
    • Basic steps of payment
    • Credit Card Fraud Prevention
    • Personal account of a merchant
    • E-commerce consulting
  • Contacts

Basic steps of payment

Home Payment gateway of internet shop Basic steps of payment

Basic steps of payment

Diginet Payment Gateway is designed for online merchants who want to create an online store for selling goods or providing services.
It is intended for accepting payments by all forms of remote payment, available in Moldova, namely: bank cards, payment terminals (QIWI and NettoPro) and cash in the bank (factura.md).
For the case of online payment by bank card, it also could be implemented an additional module of Fraud prevention of credit cards.
We also left the option, the payment by cash in the office of the merchant or to courier.

2) BASIC STEPS OF THE PAYMENT

2.1) The selection of form of payment

For the payer, the payment gateway is offering to select one form of payment from the offered ones.
Hence, the payer can pay only by one selected form of payment and while the other form of payments is becoming not available to eliminate potential double payment for a single order.
Also we left an early existing option, the payment by cash in the office of the merchant (or courier). In this case, the amount for payment is showning in moldovan lei.
Furthermore, the payer at any time, may change the form of payment.

Usually, the payer could pay by using any available form payment.

  • option 1) Payment by cash in the bank (e-invoice) or via Cash-In-Terminal (QIWI и NettoPro)
    In this case, payer can pay in moldovan lei only.
    For payment, it is required that the buyer to provide the unique booking number.
    In addition, we strongly recommend that the payer to print out the invoice, and had it available when paying, and also kept the invoice until receipt of goods or services.
  • option 2) Online payment by bank card
    Cardholders can select the currency for payment, namely: moldovan lei or Euro.
    Once the payer has chosen option of payment by credit card, then the payer is redirecting to the payment gateway of the bank.

2.2) the payment gateway of the bank

Payment online is actually happening in payment gateway of the bank, where the payer enters his credit card number.
Note.
Number of credit card of bank card holder is NOT stored in Diginet payment gateway.

Further, on the side of the bank’s payment gateway, it is choosing one option from two: successful, or not successful payment.
In case of successful payment, the money is blocking on the credit card of the payer.
Then, the payer then is redirecting back to the Diginet payment gateway.

2.3) return to the Diginet payment gateway

If result received from payment gateway of the bank is successful, then the module «online fraud detection» is using for evaluating a fraud score.

2.3.1) There is a built-in module for fraud prevention for payments via bank cards.
The estimation of risc is basing on several parameters that affect the risks. The settings of parametrs could be be customized to the client requirements.

If the risk score of «fraud detection» exceeds a certain thresholds, then there is the option of additional verification of mobile phone number of bank card holder by using a single verification code that sending by SMS.
Depending on the risk, this payment can be either authorized automatically (ie, “accept money to the account of the merchant”), or decision of the authorization of the payment will be transferred to the responsible manager of the merchant.
The manager may decide to authorize payment, or to cancel payment and unblock money from the payer’s bank card.

2.3.2) This module «online fraud detection» allows to significantly decrease the risk of the fraud, and, as a result, reduce the number of «chardge back» and losses from the payment of fines for them. (The fines in Visa and MasterCard may be as high as 20 euro, for each case «chardge back»).
Therefore:

  • if the payment was successful and it is passed the module «fraud detection», Diginet payment gate informs bank card holder about the status of online payment and processing status of his order
  • if the payment was not successful or it is not passed module «fraud detection», Diginet payment gate infroms the payer that his payment is not successful and the money on bank card was unblocked.

2.4) return to the merchant’s site

After completing the payment procedure, the buyer will be redirected back to the successful of unsuccessful page of the merchant’s website.

2.5) History of orders and logs

Yet, Diginet payment gateway retained the details of all orders and logs how payment was occurred.

3) PERSONAL ACCOUNT OF THE MERCHANT

For responsible managers of the merchant there is personal account of a manager.
There are several roles that allow you to restrict the access to information on payments, depending on the duties of the responsible manager of merchant.

The payment gateway on Diginet also has additional functionality that allows you to significantly increase the usability for all its participants.

3.1) manual invoice

Managers have possibility to issue the invoice manually.
It is useful when the buyer cannot book a product or service through the site, is meeting the difficulties with payment, or does not have access to the Internet to change the form of payment.

3.2) white list of permanent payers

for online payment by credit card there is a “white list of permanent payers”, who receive certain benefits for the authorization of payment and order processing.

3.3) restict access to online form of payment

managers of the merchant could make settings to restrict access of the definite payer to the form of payment via bank card for a certain period, if his actions fall under the “suspicious behavior when paying online.”

Call us +373 69 527 525 or send an E-mail info@diginet.md

Send a message and we will reply to you within 2 working days.

Contact us

Payment gateway

Steps before payment

preparation of the information required for the order processing and delivery

Options for payment

Bank card, cash, payment terminal and cash in the bank

Basic steps of payment

The choice of payment options, payment and payment authorization

Credit Card Fraud Prevention

Preventing and blocking fraudulent transactions online

Personal account of a merchant

access to information about payments, depending on the job roles and responsibilities

Our services

Website analytics

* sites with high traffic
* clear reporting forms
* event tracking
* dedicated server of web analytics

Website monitoring

* monitoring of website availability
* check response time of website
* analysis of integrity of website links
* check 301 and 302 redirects

SEO optimization

* compilation of SEO sitemap
* optimization of a site under requirements of search engines
* increase the speed of site loading

Payment gateway

* preliminarily steps before payment
* options for payment
* basic steps of payment
* credit card fraud prevention
* personal account of a merchant
  • Main
  • Website analytics
  • Website minitoring
  • SEO optimization
  • Payment gateway of internet shop
  • Contacts
Diginet-solutions.com