Web Manage Australia

Online Payments

Camtech has various solutions for merchants wanting to process transactions securely, quickly and reliably over the internet. Our payment gateway solutions have been developed to make it as easy as possible to enable payments on a merchant's website. The flexibility of our products means that we can provide a solution to meet any merchant's requirements. Please find details about our various solutions below.

Hosted Payment Page Solution Our hosted payment gateway solution can be implemented by performing a simple redirection from a merchants website to their payment page hosted on our shared server. Merchants have a high level of control over the look and feel and can customise the information that they wish to accept from customers. Being a shared server, a merchant's payment page will be protected by our own 128-bit SSL certificate. Our hosted solution is easy to integrate and is ideal for merchants looking for a simple way to accept transactions online.

Integrated Payment Solution Our fully integrated payment gateway solution allows merchants to process real time transactions directly from their website. Merchants can design and customise their own payment page hosted on their own domain, and simply process the transaction in the background. Our integrated solution can be implemented via direct Java API calls, or by posting an XML transaction message.

Periodic Payments

Our Periodic payment gateway solution allows real time processing of recurring credit card payments on specified dates that suit merchant requirements.

Periodic Payments can be configured as once-off payments, day-based payments, and calendar-based payments.

All these payments can be configured in our periodic database, and set to start on a given date, and re-occur a given number of times. Periodic payments can be configured from a web interface, or via a Secure Merchant Login Website, and are encrypted using 128-bit encryption.

All credit card details are stored in our database in an encrypted binary format, and are never stored in decrypted form on the system.

The merchant's name and details appear on the customer's monthly credit card statement, so your customer has a record of payments made. Periodic payments can be cancelled at any time via the web interface when they are no longer required.

Note, that it is necessary for merchants to have signed agreements from their customers before setting up periodic payments from their credit card.

Triggered Payments

Triggered Payments allow a merchant to store credit card information securely encrypted in our database, then "trigger" the payment any time it is necessary through the payment gateway.

Using Triggered Payments, a merchant can keep an account for each of its customers. The customer might pay $50 towards their account when they join. The merchant may debit the customer's account for $1 every time it provides a service to its customer. When a customer's account gets down to $5, the merchant may "trigger" the stored payment to take another $50 from the customer's credit card to top up their account.

If a merchant charges a customer a small amount each time it provides a service, sometimes the transaction fees charged by banks and credit card companies can be very high. Triggered Payments allow merchants to take a large initial payment, and only charge the customer again when their credit is depleted.

This way, the customer need not worry about manually paying to top up their account, and the merchant receives a batch payment, reducing transaction fees and interest charges.

As with Periodic Payments, the merchant's name and details appear on the customer's credit card statement. Also, it is necessary for a merchant to have a signed agreement with a customer before setting up triggered payments from their credit card.

Batch Processing

Merchants wanting to process recurring payments or accept subscriptions can do so through a batch payment processing system developed by Camtech. Merchants can simply upload batch files that have been populated in the Camtech specified format. The transactions are processed through our payment gateway at a scheduled time and responses are provided to the merchant in a specified format.

Call Centre

Camtech enables merchants to submit transactions manually via a secure Web browser using a Virtual Terminal. This feature is ideal for merchants that service mail or telephone orders. Our Virtual Terminal feature is included with every Camtech Payment Gateway account.

IVR

SecureIVR is the simplest way to take credit card payments by phone. The merchants' own fully-automated service prompts customers throughout the payment process, and after answering just a few short questions the customer receives an approved or declined message from the bank.

Recorded messages mean merchants do not need to pay staff to answer calls, and the scripts are fully customisable to suit an individual merchant's needs. IVRs run 24 hours a day, meaning merchants are always open for business, and customers can make payments at their convenience.

Payments are also faster using IVR, since customers do not interact or chat with an operator.

This payment method means merchants do not need to install or maintain any hardware or software. Plus, SecureIVR runs through the same payment gateway system as all SecurePay's online transactions, so if you wish to take payments via IVR as well as through your company website, all transactions will be reported back to you in one file the following morning. This makes balancing your books, and archiving data, much simpler.

For merchants who wish to take payments by phone, SecureIVR is easy to set up, inexpensive to run, requires no maintenance, and is available 24 hours a day.

Mobile Solutions

Mobile merchant solutions allow merchants to accept credit card payments anywhere at anytime. Merchants with mobile sales teams or non-traditional storefronts, tradesman, cab drivers, etc, are able to accept payments on the spot. This means no more queuing at the bank to deposit cash or cheques, fewer bad debts and most importantly more convenience for customers. Applications that are tailored for technologies such as PDA's and mobile phones can be developed to connect to the Camtech Payment Gateway to accept payments.

Direct Entry

In addition to providing the latest credit card payment technologies via internet and phone, Camtech can also process bank account debit payments.

Direct Entry is available through our Java API and SecureXML interfaces, and can also be managed via our Secure Merchant Login.

Direct Entry is available through our Java API and SecureXML interfaces, and can also be managed via our Secure Merchant Login. Merchants require a signed agreement form from each customer wishing to use the feature, to enable them to debit their bank account. Once the agreement is registered with Camtech, the merchant can use their preferred payment gateway method, to take a payment from their customers bank accounts, directly into the merchant's own account. Merchants can use the system until their agreement with the customer expires.

Funds are cleared overnight due to the inter-bank processing requirements, and results are reported to the merchant the next day.

Multi Currency

The Camtech Payment Gateway can accept transactions in currencies other than AUD. The only bank that currently supports multi-currency for online transactions within Australia is the National Australia Bank. Therefore you will need to establish a multi-currency facility with the NAB to accept foreign currencies.

Please contact the NAB on 1300 369 852 for further information regarding their multi-currency facilities.

To specify a different currency within a transaction message, you simply need to provide the currency field set to the required currency code. Please refer to our documentation for a full list of currency codes.