Our Services
What is payment gateway?
Why should I choose Epayments?
What are the businesses that are not accepted by Epayments?

 

Signing Up
How long does it take for my application to be processed?
What does Epayment facilities cost? Are there any hidden charges?

 

Transactions
Can I sell my products / services in multiple currencies?
Whose name will appear in my customers' credit card statement?
What is a credit card charge-back? What is epayments credit card charge-back policy?
Can I cancel orders that I have received from my customers? Are there any order cancellation charges?

 

Technical Security and other Issues
When is a successful transaction eligible for payment? What action is required by a sub-merchant to enable Epayment to process a scheduled payout? What payout schedule does Epayment currently follow?
What level of encryption does ePaymentsglobal use?

 

Maintaining Account
How can I check the amount payable to me by Epayments?
Do I have to maintain any minimum balance in my ePaymentsglobal account?
How often will I receive my payouts?

 

Credit Cards on ePaymentsglobal.
Which credit cards does ePaymentsglobal accepts?

 

Processing of Transactions
What information is contained in the orders that are sent to me?
Do customers automatically receive a message confirming that order was shipped?

 

Canceling / Refunding a Transaction
How do I cancel or refund an order?
How do I confirm that the order was cancelled and/or refunded?

 

Error messages on ePaymentsglobal and what do they mean
What does the error message "Reject by Switch (insufficient funds)" mean?
What does the error message "Rejected by Payment Gateway (invalid card number)" mean?

What is payment Gateway?
A payment gateway is a software program integrated to a merchant's website to transmit transaction data to the credit card / Net Banking acquirer for authorization and settlement. Merchants gain the ability to perform real-time credit card authorizations from a web site over the Internet. Customers can pay for purchases across the Internet through credit cards within seconds, after the gateway obtains authorization from the credit card institutions. Why should I choose ePaymentsglobal?
Whatever the size of your e-business, ePaymentsglobal has a solution for you. The Epayments system is flexible enough to suit your requirements. To provide you and your customers a secure shopping environment, ePaymentsglobal offers the highest level of SSL encryption. Precise merchant id's selected by you are used throughout the system to ensure that transactions arriving at a gateway are from an identifiable merchant, and that any information passed back to the merchant is from a Epayments gateway. What are the businesses that ePaymentsglobal does not accept?
1) Firearms 2) Alcoholic beverages 3) Explosives 4) Pornography materials and services of any kind whatsoever 5) Live animals 6) Banned / illegal drugs or other controlled substances 7) Fireworks or pyrotechnic devices or supplies 8)Hazardous materials, combustibles, corrosives 9) Web site access and / or web site memberships of pornography or illegal sites.10) Bulk E-mail software or mailing lists 11) Gambling transactions 12) Multi Level Marketing collection fees 13) Matrix sites or sites using a matrix scheme approach 14) Work-at-home information 15) Web site promotion or Search engine registration fees 16) Drop-shipped merchandise 17) Internet Pharmacies 18) Any product or service which is not in compliance with all applicable laws and regulations whether federal, state, local or international including the laws of India.

Signing Up

How long does it take for my application to be processed?
There are two ways to signing up as a Merchant. One is thru Offline Process and second is Online Process.

1. Offline Process - You can send us an email with information like a) Your Company Name, b) Nature of Business, c) Full Address, d) Bank and bank account details, e) Type of Plan you would like to opt for i.e. Economy and Premium and f) Payment for gateway setup by Cheque or Demand Draft in favour of Shrink eTechnologies Pvt. Ltd.. Once the email application is received and payment is credited to us we will be creating a Merchant Account for you and then you can follow the integration procedure to start accepting payments online.

2. Online Process - You can sign up thru online procedure by filling in the online signup form. Also need to make payment for account setup online thru your credit card by choosing appropriate plan. Once the payment is successfully done, we will send an email giving information about your merchant ID and procedure to integrate. Then you can start accepting payments online immediately.

PS: In online procedure you will need to send us the required documentation within 15 days from the date of registration else the Merchant Account will be suspended till the documentations are received. What does ePaymentsglobal facilities cost? Are there any hidden charges?
Unlike financial institutions that demand huge upfront fees and lien deposits ePaymentsglobal' charges are affordable for all types of business.
For detailed information on pricing information please visit Our Plans page.
All fees and charges will bear 12.24% Service Tax charges.

Transactions

Can I sell my products / services in multiple currencies?
No, ePaymentsglobal process amounts only in INDIAN RUPEES. You can mention approx. price of the product / service in foreign currency, but the client will be charged in Indian Rupees. Whose name will appear in my customers' credit card statement?
n the Credit Card statement of your client "Search4india.com/charge" will reflect. What is a credit card charge-back? What is ePaymentsglobal credit card charge-back policy?
A refund that is forced by a credit cardholder's credit card company is known as charge back. This occurs when a cardholder decides to formally dispute a charge on his/her credit card bill, usually because someone else fraudulently used that card number.

Credit Cards Permit Chargebacks As per VISA & MASTERCARD rules any online transaction can/may also be revoked or refuted by a customer to a Sub Merchant via his card-issuing bank for the following reasons. This is allowable for up to 6 months from date of the transaction.
a) The Sub Merchant has not shipped the goods or delivered the promised service.
b) The Sub Merchant has taken back the goods /cancelled the services but not yet issued a refund on the credit card.
c) The cardholder's credit card has been fraudulently used by someone else to procure goods and services - without knowledge or prior agreement of the cardholder.

ePaymentsglobal' payment gateway service provider, ICICI Bank, have state-of-the-art fraud screening capabilities to reduce risks. However, if any chargeback is reported by the cardholder, you (sub-merchant) will be liable to pay the amount back to ePaymentsglobal or it will be adjusted with the current balance of your account with Epayment; or you will be liable to refund back the disputed amount back to Epayment. Please note that this practice is universal and is followed by all payment gateway service providers the world over.

In cases which prima facie look fraudulent, the same will be referred back to payment gateway for a further thorough authorization and if it is still authorized then Epayment will forward the transaction to the Sub Merchant so as to enable him/her to use his/her judgment whether or not he wants to execute the order or not. The chargeback disputes are normally less than 1% of the total transactions in a year.

a) Sub Merchant should keep complete proof of goods being shipped. This could be in the form of a Courier consignment note or Receipt from the final consignee.
c) The Sub Merchant can prove that the customer was informed in advance about refunds / return of goods for replacement faulty goods.

A CHARGEBACK CAN ONLY BE REVERSED IF THE CREDIT CARD HOLDER FORMALLY INFORMS HIS/HER BANK OR CREDIT CARD ISSUING INSTITUTION THAT HE/SHE WILL ACCEPT THE DISPUTED CHARGE.

Fraudulent use of a credit card on the Internet is always at the risk of the Sub Merchant.

Sub Merchants should keep an internal benchmark for the level of transaction for which he will take a risk, without asking for additional documentation from a customer.

Example: ABC Shops has internally set a per transaction limit of Rs 30,500/-. Which means that up to Rs 30,500/-, ABC Shops will process an order without asking the customer to provide additional proof. If the transaction amount is more than the internal benchmark of Rs. 30,500/- then poof is required for:
a) That this customer owns the credit card he is using.
b) He is who he says he is. (ID)
So ABC Shops asks any customer who does a transaction over Rs 30,500 to send by fax the following:-
a) The last statement he received from the credit card company, which clearly shows his credit card billing address as well as the credit card number. b) A copy of his driving license / national identity card / PAN No. / Passport which proves he is the person who has placed the order. When ABC Shops has these documents, then they can go ahead with the customer without any doubts knowing full well that no fraudulent usage is taking place of the credit card being used for the purchase of their goods or service.

Can I cancel orders that I have received from my customers? Are there any order cancellation charges?
A Sub Merchant can cancel an order with out any Service fees being charged only as long as the order is cancelled in the capture period (this period is fixed by Epayment which is currently set at twelve days). If the sub merchant fails to either capture/cancel in the Capture period, transaction becomes invalid.

Technical Security and other Issues

When is a successful transaction eligible for payment? What action is required by a sub-merchant to enable Epayment to process a scheduled payout? What payout schedule does Epayment currently follow?
Transactions processed by credit card through Epayment are always presented to the sub-merchant in the "pending" mode. Which means that the sub-merchant is guaranteed that the customers card is good / credit worthy for the amount of that transaction for the next 12 days. During this period of 12 days the sub-merchant has to perform any one of the following actions.
a) He may decide not to fulfill the order and mark it as cancelled.
b) After arriving at a consensus with the buyer decide to ship part of the ordered goods and claim only an amount equal to the shipped order.
c) Ship all of the ordered goods and claim the entire value of the transaction.

If the sub-merchant is confident of shipping the goods after a period of 12 days ( and has the agreement of the customer for this) he may go ahead and capture the amount, and subsequently ship the goods as per their agreement. Should the sub-merchant subsequently fail to do this and wish to refund the amount, the charge of 7% or 5% will have to be borne for the gateway usage. Once the capture / fulfillment process has been completed by the sub-merchant ePaymentsglobal' accounts department will process all such "captures" undertaken till mid-night of Thursday and process payments to reach the sub-merchants' account by direct credit / office by an at par cheque on the following Monday.

What level of encryption does ePaymentsglobal use?
ePaymentsglobal uses the most powerful Thawte secure socket layer (SSL) for encrypting customer data during transmission. To put this into non-technical terms, it would take 340,000,000,000 years for today's fastest computers to crack Thawte SSL. Click here to verify our certificate.

Maintaining Account

How can I check the amount payable to me by ePaymentsglobal?
To confirm your current balance payable, log in to your ePaymentsglobal.com account by using your user name and password. On the screen that follows, click "Reports" option. Do I have to maintain any minimum balance in my ePaymentsglobal account?
No you dont have to maintain any minimum balance in your account. How often will I receive my payouts?
Epayments settles payments on a weekly basis. If there is any amount in your account, ePaymentsglobal will issue regular cheques for all amounts according to our weekly payment basis. That is, for the transactions shipped/executed by you till Thursday, you will be paid on the following Monday.

Your cheques will be couriered every Friday evening via a PROFESSIONAL Courier and the dispatch details of the same will be emailed to you the following Monday.

Credit Cards on ePaymentsglobal.

Which credit cards does ePaymentsglobal accepts?
ePaymentsglobal processes all Visa and Master Card credit cards. At this juncture we donot process debit cards, or accept net banking payments.

Processing of Transactions

What information is contained in the orders that are sent to me?
When a customer purchases a product online through your site, we will be sending an email to the email address registered with us. This email will contain information about the product and quantity. Also an alert will be displayed in the merchant control panel for new purchases.

Do customers automatically receive a message confirming that order was shipped?
No, we dont send any such email. Whenever your client purchases online, we send an email for the products ordered by him. Further all email correspondence are to be done by Sub Merchant manually or through their own applications. Canceling / Refunding a Transaction

How do I cancel or refund an order?

To cancel your order : To cancel an order that you have not shipped, go to the Pending Orders screen to see a display your pending orders. Check the CANCEL option for the order you want to cancel, and click the "Update orders" button at the bottom of the page. This will automatically refund the charges back to the customer's credit card. No charges will be charged to your account for cancellation of order. This needs to be done during the capture period. If order is cancelled after capture period you will be charged 5 or 7% TDR.
To ask for a refund of already shipped order : To cancel an order that you have already shipped, go to the Information & Help screen and look up the order number. Click on the "Refund Order..." link at the bottom of the screen, and you will be able to issue a Full or Partial refund. If you do not remember the order number, please contact Epayment and we will help find the correct order.
To partially capture an order : To Partially capture an order, go to the Pending Orders screen. Here you have the facility to partially capture any amount of your pending orders. Needless to say, the amount should be less than the total amount of the order.

How do I confirm that the order was cancelled and/or refunded?
You can look up the order number in the "Reports" option. If the status code indicates that the refund is pending or complete, or that the order was cancelled, then that serves as your confirmation.

Error messages on ePaymentsglobal and what do they mean

What does the error message "Reject by Switch (insufficient funds)" mean?
This error message is displayed to the customer, when the customer tries to make payment through Credit Card which does not have enough balance credit limit.

What does the error message "Rejected by Payment Gateway (invalid card number)" mean?
This error message is displayed to the customer, when the customer tries to make payment through Credit Card which is not a valid credit card or has been blocked by the issuing bank.