PoN Solution โ Fast and Secure Online Payments
The system is a gateway with five public APIs for online merchants and connections to multiple banks (Deutche Bank, Wirecard, Bibit, Worldpay, Citibank (X.25-based protocol), and Paypal). The gateway supports all transactions types and multiple payment methods, starting from credit card processing to direct debits and debit cards support.
Background Nowadays Internet represents a tremendous opportunity for business — it’s fast, convenient, and practically everywhere. But selling goods and services over Internet still presents some challenges — e. g. how to set up and maintain a secure, reliable, cost-effective system for authorizing payment and managing transactions.
It is this type of system that our Customer, a German provider of financial services for Internet-based businesses, wanted to create. Besides being secure it had to be very user-friendly. Its business idea lied in the concept that a user needs only one payment system to process and manage transactions over the Internet, a credit card merchant account, and a computer with Internet connection.
System Highlights:
- Automatic payments processing;
- Pre-authorization (reservation of money amount);
- Authorization (transfer money from credit card to merchant’s account);
- Refund (allows returning money to customer in some occurred reason);
- Detailed statistics of all transactions (user can take all statistic about his operations).
Result The developed solution fully met customer’s requirements. The solution is easy to use, stable, quick, sufficient and secure. Integration of the application decreased average transaction time by 3, 5 times.
Technologies: J2EE (EJB, Servlet, Entity EJB, JDBC, JSP), DHTML, CSS, JavaScript; PostgreSQL; Tomcat server, MS Project 2002.
Efforts: 6 man-months.
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