Few months ago all the withdrawals from PayPal were blocked. Unfortunately they had imposed this after we made a withdrawal. So we couldn't get our funds either on the bank account or back on PayPal so we could use them to make some payments at least. Almost after a month the problem was sorted and we got our money on our bank account. They then made it clear that Indian users are not allowed to make any payments with the PayPal fund, but can only withdraw.

This morning we were shocked to see that PayPal was going to stop electronic withdrawals and only allow cheques. Now this is a pain to all Indian users, we are sure. Processing of checks take 4-6 days and that doesn't include the time to deliver the cheque. Clearing takes yet another "age". With all these problems, we are not sure how PayPal will survive in India. We can now only hope PayPal will sort everything very soon with the Reserve Bank of India.

Read more on funds being blocked before few months: https://www.thepaypalblog.com/2010/02/an-open-letter-from-farhad-irani-on-the-situation-in-india/

Read more on the current situation: https://www.thepaypalblog.com/2010/07/update-on-paypal-accounts-for-india-users/

Indian users are now quick to withdraw funds to their bank account before the option is disabled on the 29th.

White Tiger Accent Heuristics is a company specializing in Accent Neutralization and English Languaculture Training Programs for BPO-ITES, IT Businesses and Educational Institutions that work with the English speaking markets in North America, United Kingdom and Australia. They excel in empowering businesses and institutions with the English language skills required for effective and seamless communication with English speaking markets.

Consign IT has designed an elegant website for the company and trained the staff on updating the website themselves. The layout is tableless and Microsoft font rendering is used to render Calibri on systems that does not have this font installed.

Fly Albatross Travel & Tours (P).Ltd. a division of the 500 core Lanson Group has at its helm of affairs two very versatile persons on the Board of Directors one of whom is Rtn.R.Kumar Asirvatham, Managing Director who has held senior positions in reputed travel agencies and has a wealth of experience in the Travel fraternity and the other is Rtn.Lankalingam a well known personality in the business community of Chennai. Apart from being on the Board of Directors of Fly Albatross Travel & Tours, Rtn.Lankalingam is also the Chairman and Managing Director of Lanson Group of Companies a multidimensional group with key interests in Food Manufacturing & Exports, Automobiles, Property Development , Lifestyle, Bio Technology , Hospitality and Healthcare.

We were approached by Flyalbatross to design a website. The website built on a tableless layout along with flash animations has been finally launched.

What are Internet Payment Gateways?

A payment gateway is an e-commerce application service provider service that authorizes payments for e-businesses, online retailers, bricks and clicks, or traditional brick and mortar. It is the equivalent of a physical point of sale terminal located in most retail outlets. Payment gateway protects credit cards details encrypting sensitive information, such as credit card numbers, to ensure that information passes securely between the customer and the merchant and also between merchant and payment processor.

How does it work?

A payment gateway facilitates the transfer of information between a payment portal (such as a website, mobile phone or IVR service) and the Front End Processor or acquiring bank. When a customer orders a product from a payment gateway enabled merchant, the payment gateway performs a variety of tasks to process the transaction:

1. A customer places order on website by pressing the 'Submit Order' or equivalent button, or perhaps enters their card details using an automatic phone answering service.
2. If the order is via a website, the customer's web browser encrypts the information to be sent between the browser and the merchant's webserver. This is done via SSL (Secure Socket Layer) encryption.
3. The merchant then forwards the transaction details to their payment gateway. This is another SSL encrypted connection to the payment server hosted by the payment gateway.
4. The payment gateway forwards the transaction information to the payment processor used by the merchant's acquiring bank.
5. The payment processor forwards the transaction information to the card association (i.e., Visa/MasterCard)
6. If an American Express or Discover Card was used, then the processor acts as the issuing bank and directly provides a response of approved or declined to the payment gateway.
7. Otherwise, the card association routes the transaction to the correct card issuing bank.
8. The credit card issuing bank receives the authorization request and sends a response back to the processor (via the same process as the request for authorization) with a response code. In addition to determining the fate of the payment, (i.e. approved or declined) the response code is used to define the reason why the transaction failed (such as insufficient funds, or bank link not available)
9. The processor forwards the response to the payment gateway.
10. The payment gateway receives the response, and forwards it on to the website (or whatever interface was used to process the payment) where it is interpreted as a relevant response then relayed back to the cardholder and the merchant.
11. The entire process typically takes 2–3 seconds
12. The merchant submits all their approved authorizations, in a "batch", to their acquiring bank for settlement.
13. The acquiring bank deposits the total of the approved funds in to the merchant's nominated account. This could be an account with the acquiring bank if the merchant does their banking with the same bank, or an account with another bank.
14. The entire process from authorization to settlement to funding typically takes 3 days.
15. Many payment gateways also provide tools to automatically screen orders for fraud and calculate tax in real time prior to the authorization request being sent to the processor. Tools to detect fraud include geolocation, velocity pattern analysis, delivery address verification, computer finger printing technology, identity morphing detection, and basic AVS checks.

Security

1. Since the customer is usually required to enter personal details, the entire communication of 'Submit Order' page (i.e. customer - payment gateway) is carried out through HTTPS protocol.
2. To validate the request of the payment page result, signed request is often used - which is the result of the hash function in which the parameters of an application confirmed by a «secret word», known only to the merchant and payment gateway.
3. To validate the request of the payment page result, sometimes IP of the requesting server has to be verified.
4. There is a growing support by acquirers, issuers and subsequently by payments gateways for Virtual Payer Authentication (VPA), implemented as 3-D Secure protocol - branded as Verified by VISA, MasterCard SecureCode and J/Secure by JCB, which adds additional layer of security for online payments. 3-D Secure promises to alleviate some of the problems facing online merchants, like the inherent distance between the seller and the buyer, and the inability of the first to easily confirm the identity of the second.

(credit: Wikipedia)

Different Gateways for Indian Merchants

There are many service providers on the internet who offer Merchant accounts for Indian Merchants. Consign IT recommends the following:

CCAvenue - Exclusively for Indian Merchants with many payment options including credit/debit/atm/cash cards, online banking,etc

PayPal - Multi-currency processing. Does not accept donations, personal transfers, etc. Can also be used to make payment online.

2Checkout - Accepts INR. No virtual terminal. Payment settled through wire or debit card. Does not accept donations, personal transfers, etc

I recommend this web and software development company for those who needs a real good work to be done

I am very happy with the website and the software that Consign IT created for me. I would like to personally thank Mr.Abilash Praveen, IT engineer at Consign IT  for being very professional, very knowledgeable and very courteous! I recommend this web and software development company for those who needs a real good work to be done.

 

Bibegul Smagulova
Immigration Consultant
US Citizenship and Immigration Center  

The quality of work is excellent but they really excel in finding solutions to any problem we have

We have been with the team from the start and found them to be incredibly helpful and make themselves available to us at almost any time.

The quality of work is excellent but they really excel in finding solutions to any problem we have. They are very much solutions based which we find excellent - there is nothing that can not be done.

Good luck to you for the future and we will no doubt be there for the ride!

 

Marcus Sen
Director
Peppercorn Web Design, London, UK

The value you get for your money is very very good

We at IXPERION Limited in the United Kingdom have worked with the team for almost 2 years now. Due to the nature of our business as conference organisers, we needed changes to our online programme to be carried out quickly and without delay. His professional expertise and his attention to specific needs we have had was exceptional. We cannot recommend a better and more accurate website maintenance than the service provided by CONSIGN IT. The value you get for your money is very very good. We wish the team and the company all the best for the future, and we hope to continue our successful working relationship for many more years to come.

 

Dr Uwe Brunssen
Director
IXPERION Limited / Quality Portal International

The service which we received was excellent; fast, efficient and accurate

We were recommended to you for data capture of old publications from our stock. The service which we received was excellent; fast, efficient and accurate. Many thanks for all your hard work

 

Clare
CIRIA

We can see your genuine interest in providing us the better and economical service even in finance

I appreciate your dedicated service. Your promtness to attend our needs is something marvellous. We can see your genuine interest in providing us the better and economical service even in finance. Your availability for 24 hours is really wonderful. Your staff members are also eqully good to attend to our needs. Congrats to each one of you for your praiseworthy service.

Fr Patrick Joji sdb
Economer, South India Salesians Society

Hanger Network, Australia provides eco-hangers, delivering advertising, promotions and product sampling in-home via their growing network of dry cleaners nationwide.

Consign IT has designed and developed the website for Hanger Network.