FAQ - Frequently Asked Questions e-Path Payment Gateway

In this section we answer the most commonly asked questions received by e-Path. Please feel free to

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.

"Don't they know us Americans invented the 'real time' payment gateway system. How dare anyone have the cheek to improve on the way we've got the online world doing things.

So, where does this new system hail from? ...

.... not again!"

Q. Do I need a merchant account to use e-Path?
A. Yes. You need to be able to charge the credit cards e-Path has safely handled and delivered to you in exactly the same way as you would if someone faxed through an order with their credit card details on it, or even paid you over the phone quoting their credit card details. There are millions doing this every day. A merchant account at a bank enables you to do this. Its the merchant account, not the gateway, that actually settles funds from a credit card transaction into your account.

Q. Is it really true e-Path doesn't charge credit card transaction fees?
A. Yes it is true. e-Path is a credit card payment gateway that does not charge credit card transaction fees.

Q. Can I use a merchant account from any bank to charge credit cards from e-Path?
A. Security of cardholder data is of critical concern to e-Path not only during our own processes but also what occurs afterwards. e-Path is aware of the PCI compliance of merchant services from many Australian banks including Commonwealth, ANZ, NAB, St George etc., and e-Path is satisfied security provisioning meets, and in most cases well exceeds, the required standards. Therefore if your merchant account from these and other approved banks is approved by the bank for the purpose, you may certainly charge credit cards into it that you safely receive via e-Path. However, e-Path can not approve an e-Path gateway application if you intend to charge credit cards received via our PCI DSS compliant gateway into any merchant service provided by the Westpac Bank.

Q. Will I need to buy an SSL for my site if I use e-Path?
A. No. Your exclusive e-Path payment gateway system provides this for you.

Q. I already have a shopping cart connected up to a live payment processor. I have been hit with charge back after charge back. Fraud has cost me a fortune, I've just about gone broke. My bank tells me there's nothing I can do about it. But then I found your web site. Can you guarantee if I switch to e-Path as my gateway I will never get another fraud payment transacted automatically into my account again? I need a firm guarantee please.
A. Firstly, there is most certainly something you can do about it. And secondly, we ABSOLUTELY POSITIVELY GUARANTEE your merchant account will never receive another automated fraud transaction live from the internet without you knowing. Nothing gets into your merchant account without you checking all details first then approving it. The days where fraud is transacted live into your account on the internet without you approving it first are ended the moment e-Path becomes your payment gateway.

Q. I have a real time online payment gateway but only use its virtual terminal to enter credit cards into it myself. I agree with everything you say on your site about the security advantages of being in control - insane to accept everything live on the net without me knowing. I now need a PCI compliant way to receive credit card payments online and your gateway looks perfect. Can I use e-Path and still use my virtual terminal from my real time gateway?
A. Yes you can. What you use to interface with your own merchant account is up to you. Our only requirement is that it is PCI DSS compliant. However, you don't really have to keep your real time payment gateway virtual terminal because banks have a variety of slightly cheaper manual merchant account types that provide the same or similar functionality in a single package. Commonwealth's VirtualPOS and ANZ's MOTO/CardLink bundle come to mind. So, to answer your question, yes, you can remain using your real time payment gateways virtual terminal if this is your choice. But to ensure the high level of security you have with e-Path is maintained through the full process, the service you use needs to be PCI DSS compliant.

Q. In terms of the actual credit card security my bank tells me doing it manually is not as secure as doing it by a real time payment gateway because I would see the credit card details. Is this correct?
A. That is a most unusual statement coming from a bank. In fact it is actually the opposite, by quite a huge margin. Here are some facts ....

It is roughly estimated that near 70% of the worlds credit card fraud can be either directly or indirectly attributed to credit card data being compromised (hacked into, stolen, copied etc.) when permanently stored within databases on webservers or on similar internet based storage devices. Permanently storing highly sensitive credit card details is what 'real time' or 'live' online payment gateways do as well as hundreds of thousands of e-commerce websites. Do you know how many people are connected to the internet?!?!

However, it is roughly estimated that only near 2% of credit card fraud can be attributed to data being compromised when in the sole physical possession of a merchant, i.e., when things are done manually well away from the open internet.

So, you tell us, as far as actual physical credit card data security is concerned, is a system that is purported to contribute to near 70% of the worlds credit card fraud safer than a system that is purported to only represent near 2%?

While it is true the representative risk levels of the two systems are worlds apart, the fact remains that risk is an ever present factor no matter what the system or circumstance. Great caution needs to be exercised to ensure credit card data security remains a priority when performing manual transactions.

When you do things manually all the hackers and computer geek criminals can try as hard as they like, but if credit card details are not sitting permanently stored on the internnet they can't possibly be stolen from the internet.

Getting credit card details off and away from the open internet, which is what happens when you do things manually with e-Path, can be a tangible way to improve actual physical credit card data security.

Q. Do you integrate your gateway into my shopping cart?
A. Depends which one. For osCommerce, Zen Cart and Joomla's VirtulMart, yes we will do professional integration for you as a courtesy. We are the only payment gateway that's prepared to roll up our sleeves and do this for you. Because there are hundreds of different varieties of shopping carts we are unable to perform integration into programs we are not familiar with, so integration into other types of carts is your responsibility. However, e-Path technicians are always on hand to guide you through integration and to answer any questions you may have.

Q. Do I share a secure payment page with everyone else?
A. No. Every e-Path merchant has their own exclusive credit card payment gateway system.

Q. I'm losing sales because people are not going through with entering their credit cards on my site, does e-Path give me a proper professional gateway system where my customers will see they are being handled professionally and safely?
A. You may have a great looking website but it is security and not looks that is now, more than ever, the most important thing to online customers. It doesn't take much for a website to ask for credit cards to be entered into it and these days consumers are now very cautious of websites that 'do it all'. So this would be why you are having trouble. e-Path provides you with your very own professional payment gateway system which will instill confidence in your online payment process. The consumer knows their credit card details are being handled securely the moment they see your very own formidable e-Path secure system kick-in to take good care of them.

Q. Only $242.00 per year, so what other fees and charges are going to be landed on me?
A. None. $242.00 incl GST is our yearly fee for your own fully dedicated e-Path gateway service. You can accept 50 or 500 credit card payments through e-Path and every one is free. This is very different to a typical 'real time' payment gateway which will charge you extra every single time you accept a credit card payment online which is in top of and in addition to your banks merchant account facility charges.

Q. I am in Brighton in England. Can I still use e-Path?
A. Yes. e-Path is a global service, you can be in any country of the world and use e-Path. You will need a merchant account facility at a bank in your home country in order to charge the credit cards your own secure e-Path gateway system delivers to you from your online customers.

Q. Who uses e-Path?
A. Our Privacy Policy Statement forbids us from disclosing anything about our merchants. It is all part of this new era in security of which e-Path is proud to be a part of. However, e-Path uses sometimes frequent a number of online e-commerce forums to share ideas and experiences,

e-CommerceTalk.com.au is one such place.

Q. Can you feed the data you collect into a database so I can store it on my website?
A. Sorry, no. Please view

e-Path Security. This will tell you what we think about permanently storing credit card data in databases. If we stored highly sensitive data in databases we would be no different to the typical 'real time' payment gateway system - we represent a new era in security, not an old one!!

Q. How long to set up my gateway so I can use it?
A. If all information from you is complete and your application is approved, within 24 hours of your application being approved. Your application may take up to three Australian working days to be processed.

Q. My bank insists I need an SSL, but you say I don't. I'm confused.
A. Your own exclusive e-Path gateway already has SSL. When you use e-Path your website does not need another SSL because your website has nothing to do with handling credit cards. Your bank may be getting mixed up, please point them to this website. However it is a requirement placed upon merchant account providers (banks) by the card vendors themselves (Visa, MasterCard etc.) that the bank must confirm an SSL is protecting things when credit card are entered on the internet. They are doing the right thing by wanting this confirmed - send your bank the URL (web address) of your secure and exclusive e-Path gateway for them to become satisfied.

Q. Do you hold money and transfer it into my account?
A. No, sorry. e-Path does not touch or have anything to do with any funds from any credit card payment in any way. Please view section #1 or our

Terms 0f Servie Agreement/Merchant Agreement

Q. Do you have an API so people can enter their credit card details on my website?
A. Sorry, no. One of the fundamental strengths of the e-Path system is that your customer enters their credit card details within the heavily secure e-Path PCI DSS compliant environment.

Q. This is a real change in how things are done. Are you the only one of your type?
A. At time of writing, e-Path is one of only four new generation super-secure payment gateways that operate in this way. The e-commerce world has changed, and this new breed of gateway, of which e-Path is one, delivers on the demand for a far safer and more secure system. It should be noted that our system is manual, so it will never replace the 'real time' gateway systems, but as a low cost alternative to it, e-Path achieves the sort of security no 'real time' gateway can even come close to matching.



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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