The Payment Gateway

e-Path is a fully dedicated securely hosted global 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 merchant as well as for your online credit card paying customers.

The e-Path Internet Payment Gateway provides a highly secure 'gateway', in the true meaning of the word, between your online customers and you. It does not communicate with bank merchant accounts so the online merchant can be in any country of the world. This new era in online e-commerce security is not just for some, its for everyone!

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.

And because your PCI DSS compliant e-Path gateway is the system 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.

If you have a merchant account with a bank or can get one, and it is of the type that allows you to enter into it credit card payments yourself to charge the card then you may also be easily able to start accepting credit card payments from your online customers too for nothing more than the single yearly cost of e-Path.

See Bank Merchant Account Facility Requirements.

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

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 tries to magically convert 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 very own fully dedicated professional payment gateway system specifically engineered from the ground up for that purpose and that purpose alone.

The fact that we are actually cheaper than the other way is a very pleasant and unexpected bonus that makes it a little easier to upgrade to the safer and more secure e-Path payment gateway system.

Your customers will instantly know there is an undeniable 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 payment gateway you deliver the confidence needed by people to complete the payment process and you eliminate the main reason why they would not.

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 contact us.

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.
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, instead of via the secure admin. 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.

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 as well.

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 the world handles online credit card payments 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 and so 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 ideal cost effective, safe and easy solution. Both you and your online credit card paying customers will enjoy truly unique levels of security and protection simply not found in other payment gateway system.

What the Experts 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

"[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

"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 vigour."

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 [e-Path] 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 onlne processors .... the market for this type of online/offline service is small. But talk security and e-Path has raised the bar by an impressive margin."

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 is 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."
Tony Jenkins

"A proper gateway, 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 insecre methods, like email, when doing it right is now so affordable."
Jamie Bradley - Editor, Smart Talk

Easy, simple and deadly secure payment gateway

e-Path can be integrated into many shopping carts

2048 bit Patented RSA Asymmetric Cryptography

New generation card card protection for cardholders



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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