Sage Pay - PsBill

                                                                          SAGE PAY - PSBILL

Sagepay
Sage Pay is the union of Protx, the fastest growing payment service provider (PSP) and Sage, one of the UK’s most trusted business brands. We offer our 25,000+ customers a secure payment service for the millions of transactions that we undertake on their behalf each year. The philosophy that has driven them since their launch in 2001 is still at the heart of their business – to give their customers more than they pay for, and to make it really easy for them to do business.

They make the process of accepting payments simpler, faster and safer for their customers, and consistently give them more for their money – more products and services and greater safety and security.

They take the time to listen our customers and quickly respond. Whether your need for online payment is simple or a completely tailored solution, they believe in delivering an extraordinary customer experience.

Industry standards
As a payment service provider (PSP), thousands of businesses outsource their transaction security to them. It is their top priority to ensure that your customers’ transaction data is kept secure at all times.

System security
Sage Pay’s systems are scanned quarterly by Trustwave which are an independent Qualified Security Assessor (QSA) and an Approved Scanning Vendor (ASV) for the payment card brands.

Sage pay is also audited annually under the Payment Card Industry Data Security Standards (PCI DSS) and is a fully approved Level 1 payment services provider, which is the highest level of compliance. They are also active members of the PCI Security Standards Council (SSC) that defines card industry global regulation.

Transaction security
All transaction information passed between merchant sites and Sage Pay’s systems is encrypted using 128-bit SSL certificates. No cardholder information is ever passed unencrypted and any messages sent to your servers from Sage Pay are signed using MD5 hashing to prevent tampering. You can be completely assured that nothing you pass to Sage Pay’s servers can be examined, used or modified by any third parties attempting to gain access to sensitive information.

Encryption and data storage
Once on our systems, all sensitive data is secured using the same internationally recognised 256-bit encryption standards used by, among others, the US Government. The encryption keys are held on state-of-the-art, tamper proof systems in the same family as those used to secure VeriSign's Global Root certificate, making them all but impossible to extract. The data we hold is extremely secure and rhey are regularly audited by the banks and banking authorities to ensure it remains so.

Links to banks
Sage Pay has multiple private links into the banking network that are completely separate from the Internet and which do not cross any publicly accessible networks. Any cardholder information sent to the banks and any authorisation message coming back is secure and cannot be tampered with.

Internal Security
Entry to Sage Pay is controlled by Iris Scanners, which are the latest and most precise biometric security devices available for identification. As used by chemical plants, airports, police stations, prisons and other facilities where security is paramount. In addition, no one can enter or leave the building without a valid security pass.

Disaster recovery
Sage Pay operates on twin data centres to ensure optimal system security and up-time and has a full disaster recovery and business continuation policy.

Customer service

Sage Pay is passionate about delivering extraordinary service experiences to its customers.
E-commerce is a rapidly expanding industry that does not sleep. Around one fifth of all transactions we process occur between
8pm to 8am daily, therefore, it is important that they are there for you whenever you might need us.
They are open 24 hours a day, 7 days a week. We handle around 30,000 queries a month and believe that service is about providing our customers with options so that they can chose the method that they prefer to resolve their query.

Telephone & email Support
Their experienced advisors are available 24/7 to respond to your telephone calls and emails.
There are no automated telephone menu systems and each time you call, you will get through to an advisor in the UK.
Their advisors are fully trained on all aspects of the Sage Pay business so that they can assist with your query efficiently and effectively.

Online support
Their comprehensive online payment support pages are available for those who prefer to investigate queries themselves.
Their forum enables customers to network with and assist each other or simply share their thoughts with a wider audience.
Customers can also log-on to their monitor page to check the current live status of their systems at any time.

Their customer service promise

Service is all about people. They believe fast access to a friendly, knowledgeable individual who can answer your query is what our customers want.
They build these assumptions on customer feedback and implementing things that they have enjoyed as customers themselves.
They employ people with a customer service or industry background that display a great attitude and desire to work with e-commerce customers. They encourage them to express their personalities and empower them to make decisions so that you get an extraordinary service experience.

Their customer satisfaction scores improve year on year and the majority of our customer-base recommends them to their friends and colleagues. However, this is not a reason for complacency and they will continue to add further value to their service so that you can have complete piece of mind when trading online.

How it works

Sage Pay Go is a secure payment gateway that enables businesses to accept card payments from their customers via the internet, over the phone or by mail order. Here's how it works:
1. Your customer selects the goods they wish to purchase from your website and enters their order and delivery details.
2. Your customer's credit card details are captured securely by Sage Pay.
3. Your customer will be prompted to enter their Verified by Visa or MasterCard Secure Code password on their card issuer'spage
    (optional).
4. The merchant bank sends the credit card details to your customer’s card issuer who authorises or declines the transaction.
5. The merchant bank then sends the transaction results back to Sage Pay.
6. Sage Pay sends the authorisation results to you and your customer to confirm the results of the transaction.
(The first six steps take 2 - 3 seconds to complete)
Settlement:
7. The funds from all processed transactions are sent to your merchant bank for settlement at the end of each day.
8. Your merchant bank then collects the funds from the card issuer and pays them into your bank account. The delivery of funds into
    your account varies from bank to bank.

Getting started

It’s easy to get up and running with Sage Pay, just fill in the application form and we’ll guide you through each step. Once you’ve submitted the form, they will perform some security checks at their end and will be in touch within 24 hours.
Before you start trading online using Sage Pay you might want to think about the following……
How do you want to integrate our payment gateway into your web site?
There are three options for integrating Sage Pay Go and the one you choose will be dependant on how your website is hosted, the type of shopping cart you have and whether you want to take on the PCI DSS responsibility. FORM: SERVER: DIRECT:

Are you PCI compliant?
By 30 September 2009 all online merchants will need to be PCI DSS compliant to a certain level. However becoming PCI compliant can be costly, but there are ways to remain firmly PCI compliant and reduce the financial burden.
Sage Pay Go’s Form and Server integration options enable you to take advantage of Sage Pay’s PCI level 1 compliance.

With both Form and Server integration, the payment pages are hosted by Sage Pay so that you are not collecting, storing or transferring any card data. We have also developed iframe technology for Server integration, where you can fully customize the payment pages.

You will still need to carry out a basic PCI DSS self-assessment, but this is far less costly than becoming fully compliant.

Do you need any bolt-ons?
Sage Pay Go should cover all of your basic needs for trading online, however you may have some specific requirements, so we’ve designed some bolt-ons to enhance your payments service.

Priority support and account management – perhaps you're processing high volumes of transactions and want the added assurance of a dedicated account manager.

Merchant services – if you don’t yet have a merchant bank account, we can get this set up quickly and cost effectively.

Premium fraud prevention – If you’re selling luxury items or those susceptible to fraud, you may require more sophisticated rule bases.

PCI DSS compliance — whether you are collecting and transferring card data or not, Sage Pay and PCI security partner Trustwave have a PCI package to suit.

If you’re looking for a career in our fast-paced industry they like working with people who are:
Passionate, agile, approachable, engaging, trustworthy and smart.

Sign up now for free - it's easier to explore than to explain.

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PSBill
PSBill enables any individual or business securely, easily and quickly accept payments on the Internet. PSBill's service builds on the existing financial infrastructure of bank accounts and credit cards, and uses the world's most advanced proprietary fraud prevention system to create a safe, global, real-time payment service.

PSBil is available in 237 countries and in two currencies. Each quarter, PSBill processes thousands of dollars in online payments for merchants of every type and every size.

As next-generation networks emerge, PSBil is there, deploying the intelligent infrastructures. Whether you’re a carrier looking to rapidly deploy new services, a Fortune 1000 enterprise-needing comprehensive, proactive security services, or an e-commerce leader wanting to securely process payments and reduce fraud, they can help. They’re PSBil. Where it all comes together.

PSBill was formed to provide custom tailored solutions for low and high risk processing industries. The symbol of the universe was selected to reflect the broad spectrum of essential service required by the processing marketplace.
PSBill is built on a foundation of technology, banking, legal and customer service expertise. Like the fundamental atomic elements that comprise the matter of the entire universe, each element of expertise is applied to every aspect of merchant account management. The processing universe is not comprised of simply selling. Selling is rather the result of coordinated efforts of reliable banking, advancing technologies, legal compliance and effectual customer relationship management.

These critical elements provide a broad, supporting foundation for sustained, profitable operations. The first element represents their strategic banking relationships. Their exclusive banking relationships enable PSBill to secure larger processing limits, achieve faster approvals and offer more competitive rates for our clients. Due to their extensive risk management expertise, PSBill is a highly trusted partner of their banking relationships. They are the only merchant account service provider that actively manages its portfolio of low and high risk clients.

The second point represents customer service. Unlike any other merchant account provider, PSBil will diligently train each client how to manage their processing accounts, improve sales, reduce declines, combat fraud and minimize the risk of costly chargebacks. Their account managers regularly monitor your accounts and will provide immediate assistance in the event that chargebacks are becoming excessive.

The third element reflects their commitment to evolving technologies. PSBill provides the most advanced processing platforms available to the various low and high risk industries. In addition to credit card processing, they can provide custom billing solutions utilizing ACH/EFT, domestic and offshore accounts, 900# billing.

Their exclusive banking relationships, superior customer service and technical innovation are the foundation upon which they support each and every customer.

Services
PSBill provides payment, credit card processing and processing for adult, merchant accounts, issuing and billing solutions to
businesses in the categories of:
regular e-commerce, online pharmacy, adult websites, online casino, photo gallery, mail list, MLM, MOTO, inbound/outbound, telemarketing.

Credit card processing and processing for adult, Accept credit cards on your website using PSBill, Free merchant tools help grow your business, Low fees make PSBill the affordable choice, Credit card processing and processing for adult.

They are the premier merchant account service provider for the Internet high-risk and low-risk merchants and businesses.

(FREE) Let your buyers know that you offer safe, secure and fast online payment solutions!

Placing a PSBill Certified button on your site will give your buyers the security and peace of mind of being a PSBill customer. Credit card processing and processing for adult.

Advantages
PSBill provides credit card processing for low-risk and high risk businesses, payment and merchant account, billing solutions. Credit card processing and online check services processor including call center services, fraud control service, free shopping carts, member management, and low prices for Internet and retail businesses.

Why PSBill
free Technical Support; free Online Sales Tracking and Reporting; free Transactions Fee Processing; free Fraud Screening and Protection; free Website Shopping Cart System; free Managed Affiliate program; free Individual anti-fraud system; Real-Time Website Credit Card Processing; Low processing rates; VISA, MASTERCARD and other cards acceptance; Password control for accessing to the site; Possibility to use payment gateway; Quick support for you and your clients; Quick connection to the system; Quick payments.

ACH Processing is an electronic payment system that allows your business to save both time and money.
The ACH processing network will allow you to electronically debit and credit checking and savings accounts. They provide you simple to use, powerful, secure ACH tools that make getting paid easier for your business.

Shopping Carts PSBill
The PSBill alliance program supports a host of shopping cart solutions for web merchants of all types and sizes.
They have also established a certification program for shopping cart providers to integrate their applications and commerce software with our services quickly and easily.

AShop Software + Shopping Cart
At last, fully-automated, integrated shopping cart and affiliate marketing software with everything you need to quickly increase sales and expand your business…Credit card processing and processing for adult.

Sign up now for free - it's easier to explore than to explain.

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