Due to the exponential growth in internet access both in South Africa and in many other emerging markets worldwide, many businesses want to ensure that they can capitalize on this growing market by making their products available for sale on their websites. The most popular way to pay for items bought online is by credit card; therefore it is important for merchants to be able to accept credit card payments from both local and international credit cards on their websites via a credit card processing payment gateway, with the money going directly to an internet merchant account at their bank. As the look and user-friendliness of a website is important we have developed PayXML Web, a flexible credit card payment processing service that allows web developers to customize the look and functionality of the website’s credit card payments page.

We have designed PayXML Web to be a flexible and secure way to facilitate credit card processing via the PayGate credit card payment gateway. PayXML Web allows the merchant to customize the look and functionality payment page where the customer enters credit card numbers. Once the credit card details have been captured, the transaction data is then sent by the website to PayGate and the transaction is processed via our credit card payment gateway to the merchant’s internet merchant facility. The transaction result – accepted or declined – is then sent to the merchant’s website in real time. PayXML Web is compatible with our PayProtector fraud screening service, allowing for the real time screening of transactions for High Risk activity. It is also compatible with 3D Secure (MasterCard SecureCode and VerifiedByVISA) for the prevention of credit card fraud. PayXML can also facilitate Ukash voucher payments – for more information please see www.ukash.com

PayXML Web offers a flexible, secure and cost effective way for merchants in the e-commerce, tourism and travel, airline, hotel and online gaming industries (amongst others) to accept credit card payments via their website. This service is designed to allow the merchant to customize the integration to meet their exact requirements.