Procard LTD provides modern service Procard.Pay for Fintechs - Acquirers. These companies are payment service providers or facilitators who act under their own acquiring licenses of IPS Visa and/or MasterCard or licenses of their partner-banks and also correspond to requirements of local financial regulators.
The Procard.Pay dispatching system is a module for expanding the capabilities of the payment portal of our company, the main purpose of which is dispatching requests from various clients of online stores, generated in accordance with the protocols in force on the market, converting such requests into the PC-ECOM-PG and PC- ECOM-TIC, subsequent fusion of requests for processing by the payment portal of Procard LTD.
Fintechs have got an opportunity to integrate themselves with Procard.Pay and after that provides integration for all their own customers - ecom merchants.
Functionality of Procard.Pay
Procard.Pay supports the following payment methods:
- IPS Visa or MasterCard cards:
- Acceptance of bank payment cards - debit, credit, corporate;
- Invoicing:
- Invoicing by email or messenger Viber, WhatsApp, Telegram, FB Messenger. The client receives a notification (invoice) by e-mail or in a messenger with the "Pay" button and can make a payment at any time;
- Two-stage payment:
- Blocking of funds on the client's card for a period of up to 30 days. During this period, the online merchant may cancel the blocking or debit all or part of the funds. After 30 days the funds on the client's card are automatically unblocked;
- Payment split:
- Crediting the payment amount to several recipients. The PC debits a single amount from the client's card - splitting occurs at the stage of crediting to the recipients' accounts that the online store sent in a request to the payment portal;
- QR-code:
- Issuing an invoice to the client in the form of a QR code on the payment page, scanning the code by the client in the mobile application of the partner bank connected to the PC, making payment in this mobile application;
- Payment with proprietary token:
- Debiting funds from the client's card without re-entering card details. After the first successful payment by the client of the order, the online store receives a unique token of the client's card - subsequent write-offs will occur on the 1st click. The client will not need to go to the site or fill in the card details. The client card token can be stored on the server of the online store;
- Payment by Google Pay token, Apple Pay, etc.:
- Debiting funds from the client's card using tokens of third-party wallets Google Pay, Apple Pay, etc.
Using the Procard.Pay service gives our partner many more advantages than is apparent at first glance:
- Easy integration to your website:
- Easy integration to your website. Procard.Pay provides ready-made solutions for installing payment modules on any popular CMS or integrates the payment button via API. We'll even register your website with ApplePay!
- Convenient merchant cabinet:
- Easy registration;
- Support up to 1024 stores on one merchant;
- Full range of statistical data.
- High-level security payments:
- The security of online payments is ensured by using reliable 3D-Secure technology to confirm payments. In case of impossibility to carry out an inspection on this technology, the bank applies the Look-Up procedure (checking the cardholder for fraud), thereby increasing the payment security.
In summary, using the Procard.Pay service is a real way for real increasing of ecom business for Fintechs - Acquirers - payment service providers or facilitators who wants to recieve reliable tool for performing it well.