e-Path Pty Ltd is an Australian and global provider of its brand marked manual credit card payment gateway service. e-Path Pty Ltd is an Australian registered company and is 100% Australian owned and operated.
For the retail sector, e-Path directly provides the ability for online merchants to safely and securely accept internet based credit card payment charge authorisations from their customers via a PCI DSS compliant method.
e-Path also offers e-Partner solutions enabling leading edge in-the-business organisations, such as web development companies, to directly deliver credit card payment gateway service solutions to their respective clients and target markets. See 
e-Path e-Partner
In 2003 an undertaking was commenced to engineer a payment gateway system, from the ground up, that aimed to eliminate recognised main root causes of vulnerability and risk inherent within the current online credit card transaction systems.
It was clear that such a bold objective demanded a completely fresh and clean-slate approach, without the restriction or impedance of being tied into current aging systems and protocols, of which, by the nature of their very mechanics, are largely responsible for facilitating the majority of online credit card fraud in the world today.
Unknown to us at the time forces from within Visa International, Master Card, JCB, American Express and Diners Club were also formulating a new approach to deal with these exact same vulnerabilities. Their initiative ultimately resulted in the formation of the Payment Card Industry Security Standards Council, of which has since established and is enforcing new secure standards known as the Payment Card Industry Data Security Standards (PCI DSS).
See Payment Card Industry Data Security Standards (PCI DSS)
e-Path was launched in 2005, unfortunately, some years ahead of the latest version of the PCI DSS. Subsequently, merchant account facility providers (banks) were left scratching their heads in determining how best to deal with a gateway system that did not communicate with their merchant account systems in the first place and that represented a dramatic change in the way credit card data is handled online.
Banks officially could not approve e-Path as a third party credit card processor because that's not what we are - e-Path does not transact or process credit cards. Their criteria for measuring what is an approved third party gateway provider and what is not was solely based on 'real time' transaction processes and also not did not include how to qualify the new generation of security e-Path brought to the industry.
Manual systems were nothing new but an online credit card payment gateway that used full strength asymmetric cryptography (2,048bit encryption) on an individual per merchant account basis, that did not require bank merchant accounts to be sitting open and vulnerable on the internet and that also did not permanently store any credit card or transaction data at all, was totally new. This mix of new generation security bundled in a single service had never been seen before.
Subsiquently back then the overall concept that credit card charge authorisations could be taken securely and safely on the internet through a credit card payment gateway that did not actually transact 'live' on the internet was unheard of. And merchant account providers (banks) certainly didn't hold back on letting us know they didn't like the idea of a payment gateway that didn't transact 'live' into their systems.
To us this was the greatest irony of all as most of the worlds 550+ million dollars of yearly online credit card fraud can be either directly or indirectly attributed to the 'live' online transaction system in the first place!
Thankfully for e-Path the vast majority of banks (merchant account providers) view the long term security of their own merchants and cardholders as far more important than any potential loss of revenue they may expereince by allowing their merchants to utilise the less expensive e-Path PCI compliant manual system. And so today we are pleased to report we now enjoy a considerably higher level of support not only from the banking industry here in Australia but now also from overseas.
e-Path now provides online merchants all over Australia with a safe and secure PCI DSS compliant method to receive credit card payments from their websites and shopping carts for manual processing into their merchant account facilities.
e-Path also provides our payment gateway service to online merchants outside Australia that have merchant account facilities with banks in the United Kingdom, Europe, South Africa, New Zealand and the United States.
Online merchants and their online credit card paying customers from all around the world are now benefiting from brand new levels of protection and security via a new system that was proudly conceived and engineered right here in Australia.
We Australians are a strange breed. The more we hear why things can't be done, the more we like proving they can. Australian ingenuity has been the catalyst for some of the most remarkable contributions towards making this world a more efficient, safer and happier place to live. From advances and discoveries in science and medicine, to inventions in engineering and technology all the way through to the sensational achievements of our sports men and women, there is no industry or area of expertise where Australians have not left their indelible mark.
Attacking one of this world's newest and greatest global business challenges, that of arresting the ever growing problem of online credit card fraud, was another one of those areas where the terms 'impossible' and 'can't be done' seemed to sum up the overwhelming view point expressed by seasoned e-commerce industry leaders from all over the world.
However, today e-Path, combined with the vigilance of those who use e-Path as their payment gateway, is indeed slowly but surely making a highly tangible contribution towards ending online credit card fraud as we know it. To see exactly how we do this visit e-Path SECURITY.
If criminals are intent on perpetrating credit card fraud on the internet by entering stolen credit cards into websites to be transacted live and instantly into the merchant accounts of unsuspecting online business owners, then they'll have to stay doing this on websites that use 'real time' payment gateways because on a website that uses e-Path as its payment gateway this can NOT happen.
Similarly, if criminals are intent on thieving large numbers of credit cards in one hit by 'hacking' into databases on web servers, then they will have to remain targeting 'real time' payment gateways because with e-Path not a single snippet of credit card data is permanently stored on the internet. You can't thieve data that doesn't exist - this can NOT happen.
e-Path is a brand new highly advanced credit card payment gateway engineered from the ground up to make accepting credit cards online immeasurably more safe and secure for both the cardholder and online business owner. The fact we ended up with a system that is easier to implement and is less expensive than the 'real time' gateway method are totally unplanned bonuses.
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"Don't they know us Americans invented the 'real time' payment gateway system. How dare anyone have the cheek to improve the way we've got the online world doing things. So, where does this new system hail from? ... |
.... not again!"
Merchant Account RequirementsHow The Payment Gateway Workse-Path Credit Card Payment Gateway
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This website makes no determination as to the suitability of the e-Path service for your particular personal or business needs.
e-Path is an Australian based global provider of the e-Path Internet Credit Card Payment Gateway Service. All Rights Reserved - Copyright 2005, 2006, 2007, 2008 E-PATH PTY LTD ACN:124032917 | ABN:70124032917  |
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