Secure Payment Management


Introduction 
Secure Payment Interfaces 
Service Fees 
Signing up for services 

Introduction: 

In order to conduct business over the Internet, merchants need to have a secure way of acquiring customer payment information. This usually requires the opening of a special E-commerce/secure web site costing hundreds of dollars to setup and maintain. In most cases a web site conducting commerce does not need to run in secure mode until personal and payment information is to be exchanged. 

Paysafe secure data services provides a unique and cost effective solution by acting as a proxy of secure information for your existing website. The only requirements to take advantage of Paysafe's  secure payment services are:

The diagram below demonstrates how the Paysafe secure payment system works. Red  and olive lines are un-secure sessions, green and navy lines are secure encrypted sessions.


  1. Customer browses merchant site and decides to purchase a product or service. Merchant website performs the order computation and presents an invoice to the customer. (Note: If merchant does not have cgi-bin access locally, Paysafe has an interface where  it will process the order computation, shipping, and taxes based on a simple model.) The customer verifies the order and presses the form's submit button. During this phase communication between the customer and merchant is not secure as indicated by the red arrow.
  2. The customer is seamlessly transferred from the merchant's website to the Paysafe secure data processor. A final invoice is presented based on the data provided by the merchant site. The form contains entries for payment information such as name, address, telephone, and credit card number. The session is encrypted for privacy. Upon completion the customer presses the submit button on the form. The data is placed in the merchant's database at Paysafe, and steps 3, 4, and 5 are initiated.
  3. An Email is sent informing merchant of the transaction. 
  4. Optionally merchants who have Cybercash gateway accounts may clear the transaction online. Users need to sign up directly with cybercash for this service.
  5. The customer is sent an acknowledgment and finally returned to the merchant's homepage. 
  6. Upon receiving Email, the merchant logs into Paysafe using a browser. The session  is encrypted to preserve privacy and security of the data. The Merchant retrieves payment information and uses local Point of Sale Device to perform actual charge.  Finally Merchant removes data from Paysafe server.

Secure Payment Interfaces: 


Secure Payment Management from Paysafe has three interfaces to meet the different needs of merchants.  The data exchanged between the merchant webserver and Paysafe varies depending on the interface.

Invoice Computation and Secure Payment Management: See Demo 
This interface is designed for merchants who have a small product line and do not require the use of a shopping cart. Following a set of guidelines, Paysafe can process the order form, calculating taxes, shipping charges, and balance due. Customer is presented with an invoice and prompted securely for credit card payment information. This interface removes the need for any cgi-bin access or programming at the merchant site. The captured payment information is stored in  merchant's database for later retrieval. 
Secure Payment Capture: See Demo 
In this interface no computation is performed by Paysafe. This system is designed for merchants  who use shopping carts, or Javascript and local cgi-bin to compute the order and only require secure payment information capture. Paysafe will present the final balance due to the customer and collect payment information. The data is stored in a private merchant database for later retrieval.
Secure Data processing: 
In this interface no invoice is presented to the customer, secure data of any type is captured from the merchant form and stored in merchant's database at Paysafe. This system may be used to communicate private information such as passwords, credit card information, etc.. between service providers and their clients. 

Service Fees: 

The fee for paysafe's secure payment capture service is US$20 per month for up to 10,000 secure form data collected. Higher volume rates available. First month is free. There is no setup fee. Consulting are available. Billing is through credit card. 

Signing up for Paysafe services: 

Simply use the merchant subscription form to open an account. You will receive further information regarding the configuration of your website.