Connecting an online store to payment processing networks is challenging and generally beyond the experience and technical capabilities of most online merchants. To address the issue, business representatives can easily connect to Authorize, which provides the end-to-end infrastructure and security needed to ensure fast, reliable, and secure transfer of transaction data. Authorize.Net manages the routing of transactions the same way traditional payment systems work in the physical retail world.

 

About company

Electronic PS Authorize.Net began operations in 1996 in the United States. As payment instruments, the companys services are capable of servicing debit and credit cards, as well as electronic checks. As of 2015, the number of users of the system exceeded a quarter of a million people. Until 2007, the electronic payment system belonged to the Lightbridge concern, which acquired it three years earlier for $ 82 million. In 2007, the service was acquired by Cybersource. According to official information, the cost of the transaction was estimated at $ 565 million.

 

Electronic payment service offers

Currently EPS Authorize offers its clients to take advantage of four offers for trading:

in online mode. The system allows you to accept funds from customers who use electronic checks and bank cards;
retail trade - allows you to automatically manage various types of transactions at a high level of security;
by phone and email;
trading using mobile devices.
The payment system is available to process transactions 24 hours a day. The payment gateway also offers a range of end-to-end services to provide businesses with simple, affordable and secure solutions.

Users can use a secure website called Merchant Interface to manage transactions, configure account settings, view account statements, generate reports, and more. Payment client Authorize is browser based. Therefore, no software is required for installation or maintenance. The standard payment depends on the number of transactions and is determined by the resellers of the payment service. For more information, you must familiarize yourself with the companys price offers on the official website.

The payment gateway offers many features and options that can be tailored to specific business models.

 

Mobile application for trading

The Authorize.Net service offers its customers a mobile MPOS application that allows them to securely accept payments using devices running on IOS and Android. The MPOS mobile app is ideal for those who are constantly on the move.

Features and Benefits of MPOS:

the ability to process credit and debit card transactions of major payment systems (for example, Visa, MasterCard, American Express) in real time;
secure access. Integration with Authorize.Net Merchant Interface allows using account credentials;
flexible settings;
AVS support. The network service allows you to verify the users addresses by performing automatic rights checking when visiting the site;
transaction history. The client Authorize user can review all the operations that have been performed;
sending notifications by email. Customers who use the services of the online store can receive receipts by e-mail for their transactions.

Data governance: customer security

Service users have the ability to use Client Manager (CIM) to host and store confidential customer payment information on our secure servers. This simplifies the process of making customer payments and recurring transactions. The service is provided free of charge.

CIM maintains customer profiles that include:

billing;
payment;
delivery of information.
Each profile is stored on secure servers of the payment platform. It is assigned an identifier that is used instead of all customer information. Each customer profile can include up to 10 payment lines and up to 100 shipping.

Business owners can manage customer profiles, manually monitor client Authorize transactions in the Merchant Interface, integrate a website or other application using an application programming interface (API). In addition, the Merchant Interface allows you to view and search for customer profiles and view the transaction history of the desired profile.

 

Benefits of CIM service

The manager works on a secure PCI line and guarantees the security of confidential information of clients.
Simplifies the work with repetitive operations.
Used as a repository for customer data.
The client does not have to re-enter his personal data every time he visits the website.
Providing payment flexibility.
Customers can store multiple payment methods for repeat purchases and enter multiple shipping addresses.

Automated Billing ™ (EPIRB)

Billing Authorize is provided free of charge and is a convenient and easy-to-use tool for managing recurring transactions.

The ARB offers several methods for creating a subscription. The customer can use a subscription to the Merchant Interface, which includes information about the customer, payments, transaction amounts and payment schedules.

As a modern alternative, it is proposed to allow internet customers to select installments from a custom payment form. The option becomes available after integrating the website directly into the Application Programming Interface (API EPIRB). The ARB client Authorize does the rest, making follow-up transactions based on the payment schedule. Using the EPIRB, you can achieve a number of advantages, namely:

improved payment efficiency. After the start of the subscription, no additional intervention is required: the system operates in automatic mode. EPIRB also includes the ability to customize trial periods and prices;
increased security. There is no need to store confidential data in computer systems, reducing the risk of leakage of customer information;
increasing loyalty. ARB allows you to provide clients with a flexible payment schedule;
cost reduction. EPIRB eliminates the costs associated with manual billing and allows you to reduce additional transaction fees.

System security

Authorize has a robust security system that monitors and suppresses the actions of fraudulent websites that copy the work of the official Authorize.Net domain. Users who receive email requests for confidential information in order to update their Authorize account information cannot reply to emails or follow links. Instead, please, the payment processor offers to send an email to [email protected] to the security representatives providing detailed information about the message. In this way, it can be helped in the fight against fraudulent attempts.

Client Authorize representatives will never ask a client to send confidential information by email or telephone.

Examples of data that are most vulnerable are:

bank account numbers;
credit card numbers;
CVV data (card code 3-4 digits);
Authorize passwords;
PIN numbers;
secret question and answer.
To protect customer information and combat fraud, Authorize.Net devotes significant resources to support the system infrastructure. With Authorize.Net, customers can rest assured that their data is safe. The payment platform works with advanced technologies using 128-bit Secure Sockets Layer (SSL) protocols.

PCI DSS is an industry standard for the security of payment card data. It includes a set of requirements developed for all types of cards to ensure data security.