Payments hosted by you ePDQ Merchant Payment Interface (MPI)
Secure online payment pages hosted by you
- Create and host your own payment pages
- Protection against fraud with Internet Authentication and enhanced fraud control
- Allows your website to communicate with our ePDQ payment engine
- Process telephone and mail order payments at no extra cost
- Dedicated UK technical support team
Overview
How ePDQ MPI helps your business
If you're looking for an online payment solution that offers you more control of your online payments, our ePDQ Merchant Payment Interface (MPI) solution is ideal. Using the MPI, you can create and host your own payment pages, process transactions captured on your own securely hosted payment pages, run reports directly from the ePDQ engine, and perform other transaction management tasks such as refunds and voids.
Using the ePDQ MPI is more technically involved than the ePDQ CPI (our simple end-to-end solution with payment pages that we host on your behalf). To meet security regulations when you use the ePDQ MPI, you need to be aware that:
- You're responsible for the security of cardholder details and must adhere to Card Scheme rules and regulations including compliance with the Payment Card Industry Data Security Standard (PCI DSS)
- You will need to create and pay for your own secure environments.
- You will need to manage and build any upgrades that become necessary - for instance, to accept new card types.
Integrated for a seamless customer experience
Building your own payment pages offers your customers a payment journey that's completely branded from beginning to end. You can accept all major credit, debit and charge cards, in a range of international currencies. Offering this flexibility gives your customers more choice and could lead to increased turnover.
The payment solution that keeps you in control
With MPI, you can choose settings that meet your business needs, such as:
- Settlement options for greater flexibility. You can choose when to take payments from your customer's card – for instance, when their order's ready for dispatch.
- Set up recurring billing transactions, with your customers' consent, saving time and hassle.
- Management reports that allow you to access account and transaction details online
Support you can rely on
To help you seamlessly integrate this online payment solution, we offer:
- A dedicated technical support team based in the UK
- Technical information so your web developer is aware of what's needed to integrate ePDQ MPI
- Upgrades to keep your ePDQ technologically up-to-date and compliant with security regulations *
- Integration and user guides
* A cost may apply
Top-level fraud and security protection, for your peace of mind
To ensure you're protected online, ePDQ MPI has several measures in place, such as:
- Enhanced fraud control, with you choosing the level of security that best suits your business
- Card Security Code (CSC) verification
- Customer address checks
- Internet authentication with Verified by Visa and MasterCard SecureCode at no extra cost.*
- The ability to control access to the ePDQ administration tool, by setting different access levels for staff.
You can also process telephone, fax and mail order payments at no extra cost.
Since all orders are handled on the same system, it simplifies your administration and accounting processes.
* Please be aware that you will also need to integrate the Arcot SDK (Software Developer's Kit) to support Internet Authentication.
Getting started
To integrate payment processing into your website, you'll need an online store and the ePDQ MPI (Merchant Payment Interface), a payment solution that captures and processes cardholder details.
Since ePDQ MPI is hosted by your system, you're responsible for complying with Payment Card Industry Data Security Standard (PCI DSS) to protect your customers' sensitive data.
A step-by-step guide to applying for ePDQ MPI
- Apply using our standard application process to start accepting online payments.
- Once we've processed your application, you'll receive a welcome letter with your next steps and a URL where you can collect your documentation.
- We email you to confirm your login details.
- Then for security reasons, we ask you to call us for your password.
- You are then ready to start integrating ePDQ MPI into your system and to carry out testing before going live.
- When you're ready to go live, simply complete an account activation form and we will activate your account for you.
- Finally, we send you a confirmation email to let you know your store's ready to start accepting card payments.
How it works
Using ePDQ MPI
Once you've integrated the ePDQ MPI solution, customers enjoy a seamless shopping experience when they visit your website. Here's a snapshot of the transaction process:
- A customer visits your website, makes a selection and wants to pay.
- They fill in their details on your secure payment pages.
- Your website passes their card details to the Internet Authentication process (using software we supply) to determine whether the customer has enrolled in Verified by Visa or Mastercard SecureCode.
- If the customer is enrolled, their card issuing bank will ask them to confirm their password or PIN number. If they are not enrolled, the process will move straight to authorisation on an "attempted authentication" basis.
- The card details are passed to ePDQ to process the authorisation request and to validate the address and card security code details.
- The authorisation result is passed back to you, letting you know whether the transaction has been approved or declined
Transaction details can be viewed in real time before payment is credited to your bank account. Or once it has been credited, you can access the transaction details online using our Store Administration Tool.
How it works
Integrated payments, competitively priced
ePDQ MPI offers you a great, value for money way of processing your card not present transactions.
Our charging structure is split into three to allow us tailor a competitive solution to meet your needs:
- Joining fee – to cover the cost of setting up your account. If you're already with Barclaycard Payment Acceptance you won't need to pay this again.
- Merchant Service Charge – the fee for processing credit and debit card payments. This is provided on a bespoke basis, depending on your business size and type.
- Gateway fee – covering the fixed monthly charge for use of the ePDQ MPI product plus a fee per transaction.
If you'd like to find out more about our ePDQ MPI online payment solution, or for your bespoke quotation, contact us.
