The Payment Gateway

A fully didicated PCI DSS compliant gateway right out of the box

e-Path is a fully dedicated securely hosted credit card payment gateway system that makes accepting credit cards online a less costly exercise and a whole lot more secure for you as the online business owner (the merchant) as well as for your online credit card paying customers.

e-Path does not charge credit card transaction fees, nor will you have to pay for an SSL certificate and dedicated IP address for your website. With e-Path everthying that needs to be in place is supplied right out of the box.

And because it will be the PCI DSS compliant e-Path gateway handling the credit card data, this means your own website does not require its own PCI DSS compliance - this alone could represent a possible cost saving well into the high multiple hundreds of dollars.

Read about the importance of

PCI DSS Compliance.

Your Customers Deserve a Professional Payment Solution

Consumers are starting to demand they be protected properly and professionally especially when it comes to parting with their own highly sensitive and confidential credit card details on the internet. There are warnings about this very subject on the news and current affairs programs on TV and radio almost nightly and these consumer warnings are aired for very good reasons.

These days when consumers decide to purchase online, if that same website they have been surfing around then suddenly converts itself into its own secure payment gateway by asking for highly private and sensitive credit card details to be entered into it, then it just may not look right. Times have changed and people would rather not go ahead to buy online if they think they are risking it.

However, another unique advantage of e-Path is your customers will be entering their credit card details into your own fully dedicated professional payment gateway system specifically engineered from the ground up for that purpose and that purpose alone.

Your customers will instantly know there is a serious priority on their security the moment the formidable e-Path secure systems kick-in to take good care of them.

When you use e-Path as your internet payment gateway you help to deliver the confidence needed by people to complete the payment process. Having customers wanting to buy from you online is one thing - providing them with the confidence to part with their credit card details on the internet is another thing all together.

Two Payment Gateway Variants:

e-Path offers two slightly different versions of it secure credit card payment gateway service. They differ only in how the credit card data is accepted by you. The secure front end (the part the customer sees) is exactly the same on both. If you have trouble deciding which gateway is right for you, please

The e-Path Submit Direct Gateway:
The Submit Direct gateway sees e-Path send the merchant the heavily encrypted contents directly for decrypting on the merchants own system. This requires the install of a formidable decryption program on the merchants computer in order to decrypt the highly encrypted (2048 bit RSA) data the e-Path system generates. This decryption program will generate the merchants unique encryption key set, part of which is sent to e-Path and will be used to encrypt that particular merchants data in the first instance. Like all e-Path services, data encrypted to a particular key is absolutely useless to anyone other than the merchant who possesses the correct key to decrypt it. This is called asymmetric cryptography and is recognised as amongst the most secure methods to protect data of any type in the world today.
The e-Path Submit Secure Gateway:
Merchants login to a specially protected administration area to retrieve their payment data collected for them by their secure e-Path gateway. The admin area and its decryption processes are triggered by the entering of a series of key passes of which are unique to every e-Path merchant. The merchant prints out, records or saves the data being displayed via SSL on their browser. At this point the decrypted data does not exist outside of the secure SSL connection between e-Path and merchant and once retrieved by the merchant the data doesn't exist either with e-path or on the internet anywhere - there is no permanently stored data on the e-Path servers at all. In addition to the unique key passes, the decryption processes will not function unless SSL is actively protecting the live connection between merchant and e-Path. Normal http internet connections are not possible.

A Highly Effective Low Cost Solution

e-Path represents a highly effective alternative method to safely accept credit card payments from your online customers - less costly, more secure, more control and easier to connect to.

The fact that merchants can utilise existing EFTPOS machines and other forms of manual (MOTO) merchant account facilities that they may already be operating without the need to establish a separate high cost merchant account for internet transactions gives individuals and businesses an immediate cost savings advantage from the outset. This is in addition to e-Path being a whole lot cheaper than other payment gateway types to begin with.

If using an existing and established merchant account facility it is a requirement of e-Path that you inform your bank to add e-Path as one of the ways you receive credit card data in the first instance. This is to ensure you remain compliant with the usage requirements and terms and conditons of the merchant account facility your bank is currently providing you.

e-Path is Not For Everyone

Delivering a new payment gateway system that improves the way online credit card payment authorisations are handled does not come without a trade off. In e-Path's case this trade off is automation. e-Path does not transact credit cards 'live' on the internet. The transaction is performed by you entering card data into your merchant account facilty. While this method is inexpensive and brings with it tangible security advatanges, it may not be suitable for those who are, or who plan to be, receiving large numbers of online credit card payments daily.

However, if you don't mind the idea of being in full control over things by entering your customers credit cards into your merchant account facility yourself then the e-Path payment gateway represents an excellent low cost, safe and easy solution. Both you and your online credit card paying customers will enjoy unique levels of security and protection simply not found in other payment gateway types.

What They Say ...

"[e-Path] An ingenuous lateral approach with the potential to ease the pressure on the credit industry as they continue the struggle to close security vulnerabilities with card based live transactions over the internet."
David Taylor - Commerce Tomorrow (Monthly Publication)

"Watch e-Path. The disturbing question is why has it taken so long for a model like this to appear?"
William J Newbury - Financial Reviews, Epay World

"I am not an expert in ecommerce but I know digital credit card information is stored encrypted by online credit card processing corporations (according to Visa/Master Card/American Express/JCB/PCISSC), and this represents a pot-of-gold target for the criminal community which, for reasons that demonstrate the need for firm action that finally works, is still delivering them amazing financial rewards .... When there is no secret or confidential digital data permanently stored then cyber crime itself is nullified. What I find impressive is how radically logical and completely fool proof that strategy is. What seems strange is I can not find any other credit card payment processor that does this, not here in the U.S. nor anywhere else. Australia seems to be the first country actively offering this new security strategy in their ecommerce."
Chad - Contributing comment on Security & Fraud Prevention - e-Commerce Talk

"[e-Path] A new method bred to P.C.I. standards ... sacrifices the convenience of instant internet based transaction processing for the sake of improved security. Granted, they [e-Path] do this well but I for one will not be going to a manual system."
Claire McKinley - Enterprise Commercial Quarterly

"Payment gateway processor 'hacked' ... potentially 100 million credit card details stolen ... There is hope though, and this comes from the initiative of companies that step outside the square to hard-terminate the vulnerabilities that lead to fraud. Perhaps the best example I can think of is the new PCI compliant e-Path manual credit card payment gateway. e-Path is a courageous complete re-design of the gateway system where credit card data is no longer permanently stored online anywhere by the gateway - hard to believe but true and its sending 'wake-up' shock waves throughout the industry at the moment."
'Nightrider' - Contributing comment on Security & Fraud Prevention - e-Commerce Talk

"We all know high strength 2,048 bit asymmetric cryptography is unbreakable. What is unique is how they [e-Path] have designed their relatively simple non-processing online credit card payment service around it. Clever."
'Professor Byte' - Willmington e-Commerce Advisory Committee

"This [e-Path] new direction gives online businesses the ability to seize control of their transaction processes for the purpose of reducing their own direct exposure to risk .... I can see how this would work well .... a safer system offering reduced risk would give banks prime leverage to target their merchant services to the lucrative entry level virtual business market with renewed vigor."
S. Johnston Jnr - Smith, Johnston and Boverich. Strategic Financials.

"You simply can not get a better way to protect credit card information on the internet than for it not to exist on the internet. E-Path delivers what is shaping up to be an almost annoyingly commonsensical solution to the problem of internet based credit card data security."
Damien Croft - CEO, ComCron

"The challenge with encryption is that older payment systems were not built to support the scrambling technology ... Encryption is the ultimate measure of security.."
Qualys CEO Philippe Courtot
From: http://news.zdnet.com/2100-1009_22-6072594.html

"This new manual gateway from the Australia company, e-Path Pty Ltd, will only appeal to those likely to be doing small numbers of transactions per day and as such can not be considered a mainstream alternative to current live online processors .... the market for this type of online/offline service is small. But talk security and e-Path has raised the bar to a very impressive height, no dounbt about that."
Samantha Goldburg - The Online Merchant

"What rock has e-Path been hiding under?" Tracey Ward - The Business Family

"Their non-permanent storage of credit card data nails a previously unattainable goal for online card handlers ... a major achievement that should delight the card provider companies .... you will be hard pressed finding a safer method."
Simon Metcalf - ComZone UK

"We are talking about protecting credit card information aren't we? Their [e-Path] security looks like something you would expect to see safeguarding launch codes for strategic missile launch and not Joe's credit card when he purchases his latest subscription of 'Home Gardening' magazine online. All a bit over the top for my liking but maybe that's what's needed now."
Nigel Tonks

"The issue with online processing is it was never thought through properly. For the sake of allowing credit cards to be accepted as quickly as possible from this new phenomenon called of the internet, policy makers made allowances and cut corners. Businesses have been cursing the cost of fraud ever since. E-Path looks like the first genuine attempt by a payment gateway to improve security by actual design .... even though it is a manual process their approach is quite ingenious .... should help arrest the problem of businesses being unduly vulnerable to financial loss caused by online credit card fraud."
Mary Merrywhether - Article 'Risks in Business'

"Just what the small business operator needs to get happening on the 'net securely without the usual heavy overhead. The only draw back I can see is it reverts back to manual processing but as they point out this also can bring advantages, specifically in the area of security."
Tony Jenkins

"A proper payment gateway processor, no. An easier and safer solution for the smaller e-merchant, quite possibly."
Max Minyarno - Financial Services Manager

"E-Path is no big deal. They have simply identified what causes risk and gone about eliminating it. Bright sparks change the world for the better all the time, like I said, no big deal."
Shane Williams - MacSpeak 2007.

"What a first class little service. Why would people still run the risk of fines by accepting credit card payments online by insecure methods, like email, when doing it right is now so affordable."
Jamie Bradley - Editor, Smart Talk

"I can't see much point in this new [e-Path] service. Where's the automation? OK, so its good news in the security department, a bit cheaper and easier to handle but having to makes charges manually offline is not going to have everyone rushing to change their gateway. It will suit some but certainly not the majority. Nice idea, but not for me."
Trevor - ZNet feedback

"A small company that has achieved something real here .... they understate the contribution I can see them having on making the internet safer and less costly for online businesses."
Joe Briggins - Social media enthusiast specialising in Internet and computer security

"Just my 2c worth. I did this like a year ago. I use e-path. For a full year I have not recorded one single fraud transaction into my merchant account because I can SEE AND IDENTIFY them when I receive them. I can offer my customers the best security there is because none of their credit card details are permanently stored on the world wide web. And to top it off it is cheap and makes me totally PCI compliant without me having to do anything to my site or my hosting. It is an awesome service and I will never go back to the 'dark ages' of Russian roulette with an expensive real time gateway and all those charge backs. No way man.."
'TrueBlue' - Contributing comment on Payment Gateways & Merchant Accounts - e-Commerce Talk

"As everyone scrambles to dig deep into their wallets to become PCI DSS compliant, e-Path has the answer neatly wrapped up in a single package where you don't have to dig so deep."
David Knight - Australian e-commerce industry observer

"Doing things manually gives a huge advantage in stopping credit card fraud ... The average business is fed up with money being taken out of their account [by their bank] because the automatic online charge done last month through their real time gateway now suddenly turns out was a fraudulent one. I think doing things manually has some real advantages."
'John' - Contributing comment on Payment Gateways & Merchant Accounts - e-Commerce Talk