How the e-Path Payment Gateway Works

The e-Path internet payment gateway provides the securely hosted front-end payment gateway website to enable your customers to safely enter their credit card details to make a payment charge authorisation to you. Every e-Path merchant has their own secure gateway system which displays their own logo, graphic or header. Its not a case where a generic single payment page fits all. With e-Path you will have your own exclusive credit card payment gateway system.

The Actual Process - As Simple as 1 2 3

It's all about communication - from your website to your exclusive e-Path gateway then back again. Your website or shopping cart sends your customers to your secure e-Path payment gateway to where they make their credit card payment charge authorisation to you. The e-Path receipt page is then displayed which allows your customer to print out their payment authorisation for their records then they are returned to your website or shopping cart. It is a seamless, trouble free and smooth process.

Process flow diagram:

Payment gateway flow diagram

To experience this process please visit e-Path payment gateway demonstration.

Credit Card Data Security Liability - "What Credit Card Data?"

Your own website does not touch or see credit card data and thus remains totally devoid of any association with credit card data in the first place. That's e-Path's job.

This removes your website or shopping cart from requiring its own PCI DSS compliance certification - which is now a requirement for any website or shopping cart that transmits credit card data to their payment gateway or stores credit card data in any way.

Visit The importance of PCI DSS Compliance

Two Years in Development Available with One Click.

With a single click of a button on your website your customers will be entering into a system that has been two years in the making. The ease of use and smooth flow experienced when making a credit card payment online via e-Path provides little indication as to the new generation levels of security being afforded to the online customer and their credit card data. Here are some highlights:

Their credit card data will be encrypted utilising an exclusive key belonging to only that particular merchant. This is called asymmetrical cryptography and e-Path is believed to be only one of three credit card payment gateways currently in the world today that deploys 2,048 bit patented RSA asymmetrical cryptography exclusively and individually for each gateway merchant.
Their credit card data will not be permanently stored on the internet. Once the merchant is in receipt of the customers credit card details, as far as the internet and e-Path are concerned, it is as if the payment never occurred in the first place. Nothing exists on the internet.

Nobody wants their highly sensitive credit card details to be permanently stored on the internet, yet this is precisely what happens when online credit card payments are made through mostly all 'real time' payment gateways.

In a world that is quickly becoming increasingly less tolerant of online vulnerabilities, especially in the area of credit card data security, your use of e-Path as your credit card payment gateway may give you a significant advantage over online businesses that use other payment gateway types.
All activity is further protected by THAWTE SSL. The e-Path secure server can not communicate unless SSL is actively protecting the session between customer and e-Path. Normal internet http communication is not possible.
On the merchant side, the merchants own private merchant account is not required to be sitting open on the internet to allow credit card transactions be entered into it instantly without the merchants approval. This enables the merchant to perform PVV2 (Preprocess Validation Verification) on each and every payment received thereby adding a whole new layer of security which can mean identifying fake or fraudulent transactions and deleting them well before they even look like doing harm.

Ensuring that only the merchant has the authority to charge credit cards directly into their own merchant account is a feature of e-Path, that for the first time, adds genuine and committed real person control into the process of accepting credit cards online.

More detailed information on the above may be found in e-Path Payment Gateway Security.

Give Customers the Confidence to Pay You Online

One of the most significant advantages of e-Path is your customers are entering their credit card details into a completely dedicated professional payment gateway system specifically engineered to keep your customers and their credit card details safe during and after the payment process.

It's certainly not a secret - consumers are becoming increasingly cautious about entering their private credit card details into websites on the internet. Anyone can easily add a webform to ask for credit card details on their website. In todays security aware environment the 'one site does all' situation doesn't cut it any longer especially when dealing with highly sensitive credit card data. If consumers don't feel safe they will not part with their credit card details and you may lose vital sales.

e-Path removes this concern completely. e-Path instills total and absolute confidence in the critically important online payment process. The consumer knows their credit card details are being handled securely the instant they see your very own formidable e-Path secure system move in to take good care of them and their credit card details.

e-Path is Not For Everyone

Delivering a new payment gateway system that improves the way the world handles online credit card payments unfortunately does not come without some trade off. This trade off is automation. e-Path does not transact credit card payments '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.

e-Path communicates directly to the merchant, not to a merchant account facility at a bank.

Further, e-Path does not provide an on-going internet based permanent record or reporting facility of credit card transactions performed like typical 'real time' payment gateways. This is because e-Path delivers new generation levels of protection for credit card data where there is no permanent storing of any data whatsoever on our servers. With no data stored we can't do anything with it - but then again neither can 'hackers' or criminals!



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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