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The EuroCommerce Payment Engine

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Payment Processing is our core business. We have developed a payment engine the acts as a gateway between the merchant and the array of agents involved in a processing system. Merchants need only acquire a  merchant identifciation and link to the EuroCommerce system and immediately be able to receive payment from their selected, credit card , debit card, and direct debits either locally or from around the globe. EuroCommerce develops Card Not Present (CNP) solutions for e-commerce websites and call centres.

How it Works
The following diagram describes the typical scenario for a payment. The merchant need only be concerned with the link between their system and EuroCommerce and of course with receiving reports on completed transaction. The EuroCommerce Payment Engine manages the interaction with the acquiring bank (the bank that actually accepts and confirms the payment as opposed to the bank which issued the card. They can be the same bank). The Engine also produces the reconciliation reports for clients and flags up and any chargebacks or exceptions. This is typically done on a daily basis. This is the basic service. There are also integrations to your back-end  systems and value-added services such as 3D Secure which you can read about in this section.

The Architecture
The EuroCommerce payments system is built on a .NET framework using C# as its programming language. The application is a distributed system using multiple installations of MS SQL Server for data storage. XLM is used extensively where appropriate and communications with third parties includes traditional banking technologies such as X.25 and more modern technologies such as MPLS.

Multiple Payment Types
In addition to credit cards, local debit cards, automated direct debit processing (including rejections), Internet banking and electronic giros, EuroCommerce continuously monitors the international payments market to uncover new opportunities for our customers.

Multiple Acquirer Capabilities
Some companies require the ability to dynamically switch acquiring banks depending on the geography of the user of the card being used. The Engine is capable of connecting to multiple acquirers for a single merchant ensuring that the payment is routed to correctly.

Proven and Scalable Infrastructure

EuroCommerce payment solutions are used by some of the largest e-commerce merchants in the world. Our payment engine is housed in a state-of-the-art hosting facility that provides security, network connectivity and power guarantees to ensure that EuroCommerce services are always available.

Integration Capabilities

We will get your payment solution up and running quickly, completing any necessary integrations and ensuring that there is no interruption to service by selecting EuroCommerce.