PAYMENT GATEWAY SOLUTIONS

A payment gateway is required to accept credit cards and electronic checks over the internet. A payment gateway is a secure internet bridge between a merchant's web site and the credit card processing networks.


Guardian Financial Services offers its merchants a wide range of payment gateway solutions to process credit card and electronic check transactions over the internet. Some of these include:

Virtual Terminal

Shopping Cart

API Integration

Batch Upload Processing

Electronic Check Processing

Recurring Billing

Fraud and Loss Protection

Fraud Insurance

VIRTUAL TERMINAL

The Virtual Terminal allows a business owner to manually authorize and process credit card and check transactions from any computer with an Internet connection. The Virtual Terminal replaces an authorization terminal and enables a business owner to process a transaction without the credit card or check present. The business owner only needs the necessary information from the credit card or check and consumer to input into a computer.Once the information is entered into the computer, the payment gateway will send the business owner a confirmation that the transaction was completed.

Transactions are automatically settled each day. The money will then be wired to the business bank account depending on your merchant account agreement. Business owners can check the status of transactions, automatically bill customers for recurring charges, or run reports from the Virtual Terminal.

API INTEGRATION

Our API Integration solution allows our merchants to utilize the highest level of secure transaction infrastructure available. Our API uses secure sockets layer (SSL)
digital certificate technology to connect securely and directly between our merchant and the payment gateway.

FRAUD INSURANCE

In addition to the various fraud detection software, we have programs that will insure the merchant against fraudulent chargebacks. The purpose of this program is to first minimize losses from the chargebacks. Secondly, to prevent the merchant from losing their merchant account from the card associations such as VISA and Master card for receiving too many chargebacks. Contact us for the specifics on this program.

Guardian Financial Services has various payment gateways for the business owner to choose from. All of the payment gateways that we utilize are PCI compliant with VISA for cardholder information security.

We have payment gateways that allow a merchant to process transactions with USA processors and in US dollars. We also have payment gateways that enable a merchant to process transactions with processors outside of the USA with multi currency options (Pounds, Swiss Francs, Euros, etc.). Our payment gateways enable merchants to use one payment gateway to manage all of their domestic merchant accounts as well as their offshore merchant accounts. We also have a payment gateway that offers load balancing for ease of managing multiple merchant accounts.

CHECK PROCESSING

Our Electronic Check is a payment solution that allows internet and storefront merchants to accept and process electronic check payments directly from their storefront or web site. Virtual Terminal allows our merchants to increase their sales by accepting electronic checks either directly from their web site automatically or manually through the Virtual Terminal.

WEBLINK/SHOPPING CART
WebLink or shopping carts allows Internet-based businesses to authorize and process credit card transactions without the business owner entering customer and credit card information. When customers are online and are ready to purchase products or services from the web site, WebLink or the shopping cart either captures the necessary information (name, credit card number, etc.) from the site's own secure transaction page or displays a standard WebLink or shopping cart transaction page, hosted on a payment gateway server for the customer to fill out. When the authorization process is complete, the customer receives an approval or decline response, and the payment gateway server stores the transaction. The business owner is then notified of the transaction. Transactions are automatically settled each day and funded to the business owner's bank account.

Our payment gateways allows a business owner to check the status of transactions, automatically bill customers for recurring charges, or run reports from the gateway Terminal.

BATCH UPLOAD PROCESSING

Our batch upload processing allows our merchants to control and approve transactions manually prior to settlement.

FREE SHOPPING CART

Guardian Financial Services works with a variety of shopping carts. Please contact us for a list of shopping carts. If the shopping cart that you are currently utilizing is not on the list, please let us know so that we can see if it is integrated with one of our other gateways. Also, shopping carts can be added to the gateway to accommodate the needs of the business owner.

Guardian Financial Services also has a free shopping cart that will allow you to brand the shopping cart with your own look. Our shopping cart has many features. The main feature allows you to include up to 40 products, coupons, and discounts.

If you have questions about our free shopping cart Email us at:

freeshoppingcart@guardianfinance.com

FRAUD AND LOSS PROTECTION

GFS has various programs, technology, and software to assist the merchant in minimizing losses from consumer fraud. GFS will assist your company in obtaining the internet risk management technology and procedures that are appropriate for your business model.

The technology and software that we utilize allows the merchant to:

• control their potential risk of chargebacks and fraud.
  
• set policies for accepting and rejecting transactions.
  
• customize strategies to identify the difference between legitimate shoppers and fraudulent shoplifters.
  
• review each transactions on an individual basis and to digitally ban a person, IP, and Host from accessing the site if it is considered high risk.

Prior to card authorization, the software looks at the parameters that the merchant pre-selects. If the transaction does not pass the predetermined threshold of parameters selected by the merchant, then the transaction is rejected and the merchant and cardholder are notified. This allows merchants to manage on-line risk and reduce costly chargebacks. Some of the available parameters that you can select are as follows:

RECURRING BILLINGS

Our Recurring billing allows our merchants to bill their customers daily, weekly, and monthly. Also, a merchant can bill their customers as many payments as they would like based off their agreement with their customers.