Secure Payments on Web

Global Payments Europe operates an on-line payment gateway - Pay MUZO. The gateway enables merchants/vendors to accept MasterCard and VISA bank cards in on-line transactions. International associations have introduced a standard called 3-D Secure for unique identification of all parties involved in an on-line transaction. This creates a close link between the issuing bank and the card holder on the one hand, and the merchant and the acquiring bank on the other. Security of the Pay MUZO system is enhanced by the use of a digital signature for all data transmitted between the payment gateway and the on-line shop.

The main benefit of the payment gateway is significantly improved security of transactions for all parties involved – the card holder, merchant, issuing bank and the acquiring bank.

Pay MUZO gives merchants an opportunity to significantly extend the range of their clients by enabling them to serve global markets, sell around-the-clock, and open an alternative distribution channel.

Key Benefits

• Security
• Flexibility

Features List

• Robust system operating in the 24x7x365 mode
• Supports all MasterCard and VISA cards (i.e. including Maestro and VISA Electron).
• Non-stop monitoring of service availability
• Compliance with the most strict security standards (3D Secure)
• Certification and audit by card associations
• Batch execution of transactions

How It Works

GPE’s system is fast and secure for all parties involved in an on-line transaction. A card holder is shopping in an on-line shop and requests payment by his bank card. The vendor hands over the payment request to the Pay MUZO system. The card holder is asked to fill in bank card details and confirm the payment request. Pay MUZO authenticates the bank card holder using the 3-D Secure standard. If the authentication result allows the process to continue, Pay MUZO sends a request to authorise the transaction. If the authentication result does not allow the process to continue, the transaction is terminated. The acquiring bank forwards the authorisation request over interbank networks to the card issuer. The card issuer authorises the transaction and hands over the result back to the Pay MUZO system. Pay MUZO delivers the result to the vendor, which notifies the card holder.

FAQ

What are technical requirements for an e-shop (vendor’s system)?
It is irrelevant what technology the vendor uses for its on-line shop (PHP, Java, .NET...). Communication with the payment gateway is based on clearly defined rules that are part of documentation for vendors.

What is 3-D Secure?
3-D Secure is a card holder authentication mechanism. Every card entered in the payment gateway is checked by the respective card association, i.e. MasterCard or VISA. It is verified whether or not user authentication is required for the given card. If yes, the card holder is redirected to the issuer bank’s system to identify himself (by entering a password, inserting a chip card providing other senstitive information). The result of the authentication is then handed back to the payment gateway.