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Payment Gateway

Launched in 1998, E-xact Transactions Ltd. was established after 3 years of dedicated work and research focused on electronic transaction processing. As a Commerce Service Provider (CSP), or Payment Gateway Provider, E-xact Transactions is certified to process financial transactions throughout North America. Significantly enhance your competitive advantage by improving your company’s e-commerce capabilities and cost-effectiveness.

E-xact Risk Management

E-xact has optional functions that can be set up on our gateway to define transactional activities conducted through our Transaction Servers. These transactional safeguards protect against human error and fraudulent card activities.

Available options are:

Duplicate Checking: All duplicate transactions received in a given time frame are refused.

Refund Checking: Most financial institutions place few limits on the number of refunds that a merchant may process or how those refunds match up to existing purchase transactions. Refund Checking will limit the dollar amount and/or number of refunds that can be done in a given day.

Velocity Controls: Velocity Controls are a way for merchants to place limits on the sale dollar amount or number of times a card type can be used over a given time frame. The idea for velocity controls is to potentially lessen the opportunity for a cardholder to perpetrate fraudulent transactions.

E-xact Security

Security of E-xact’s customer information is of top priority. Due to the nature of our business, security and privacy of our data is paramount. We are certified directly with the payment networks we operate with; maintain our software in-house and recently completed compliance with the new Visa Account Information Security (AIS) program implemented and enforced by Visa International.

Encryption: E-xact protects transactional data with a 448-bit encryption algorithm and multiple firewall's. Member Services Manager data is protected by individual User IDs, passwords and SSL.

SSL: E-xact provides SSL protection for the Member Services Manager and for part of the form post solution. However, merchants conducting transactions via a Web site and using our form post solution must have an SSL certificate. Please read more on SSL in the Getting Started section of our web site.

Address Verification System (AVS): AVS is available to our US-based merchants. Further details on AVS and its functions are available in E-xact's documentation provided with our software.

Credit Card Filter: E-xact can restrict credit cards from use on E-xact's system. When alerted we set a credit card number to be denied by our gateway so that it is not processed.

To learn more has published an Online Payment Primer on their web site.