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Credit Card Processing

Servebase provide reliable and flexible solutions to all your online credit card payment processing business.

With over 20 years’ experience, we design, develop and deliver 'end-to-end' payment card solutions that can be fully integrated within a client's front-end system.

We place the highest importance on understanding the individual requirements of our clients and, as well as ‘off-the-shelf’ payment services, we offer a bespoke solution development service.

Here are our core services:

Virtual Payment Terminal – Advance

Advance enables you to accept card payments for orders received by mail or phone (MOTO) from anywhere with Internet access.

Hosted Payment Interface – Axis

Axis offers you a web hosted payment processing interface that can be easily and seamlessly integrated with your own front-end system.

Batch Processing – Nucleus

Nucleus enables you to process large batches of transactions from multiple sources. Batches are uploaded via secure FTP and sent by high speed link to your chosen acquirer(s).

Nucleus can also be interfaced with a merchant’s system; we provide a simple API and full development support.

Hosted Payment Processing – Host EFT

Host-EFT is an interfaced payment solution over a Virtual Private Network (VPN) using MPLS so providing a dedicated payment platform and reduced TCO by eliminating the need to install and maintain software on site.

Host-EFT can integrate seamlessly with a merchant’s system; we provide a simple API and full development support.

Payment Page – Portrait

Portrait enables you to accept card payments online for only £19.00 per month for up to 350 transactions and with no setup charge.

We provide a hyperlink from your web site to the hosted Portrait payment page so you don’t have to worry about creating payment pages and a secure link. We can also customise the Portrait payment page so that it has the same ‘look and feel’ as the rest of your web site.

For enhanced security, Portrait can be used with our 3-D Secure™ Payment Authentication solution. Portrait can also be interfaced with a merchant’s system; we provide a simple API and full development support.

PC Based Payment Processing – PC-EFT

PC-EFT is our core ‘cardholder present’, PC-to-host enterprise payment processing solution that can be interfaced with a merchant’s system. System integration can be achieved using our simple API and with full development support.

This powerful and versatile payment solution has been significantly enhanced to support EMV/Chip and PIN processing for wired and wireless devices and Dynamic Currency Conversion. As a system interface, PC-EFT can also process ‘cardholder not present’ related data.

EMV/Chip and PIN

Servebase has been at the forefront of the UK’s migration to Chip and PIN and our solutions are fully enabled to support EMV processing using a wide range of wired and wireless PIN Entry Devices.

Dynamic Currency Conversion

Dynamic Currency Conversion (DCC) enables you to offer a cardholder the convenience of paying in their own currency and provides you with a revenue stream. Our payment processing solutions fully support DCC.

For EMV/Chip and PIN transactions, we have seamlessly integrated DCC and EMV processing on a wide range of PIN Entry Devices. For keyed and swiped transactions, we offer our DCC Pop-up solution which can be easily integrated with our enterprise payment solutions.

3-D Secure™ Payment Authentication

The 3-D Secure™ protocol was developed by Visa to improve the security of Internet payments and is now offered with the service name ‘Verified by Visa’ and MasterCard ‘SecureCode’.

Servebase has developed the 3-D Secure™ Merchant Plug-In solution to enable an e-commerce merchant to authenticate a cardholder in accordance with the 3-D Secure protocol.

Each transaction is passed to our Merchant Plug-in (MPI) which checks if a cardholder is enrolled in either the Verified by Visa or MasterCard ‘SecureCode’ services. If a cardholder is enrolled, our MPI re-directs a cardholder to the Card Issuer’s Access Control Server to carry out the online payer authentication. The result is then returned to the merchant's system.

CVV2/AVS

Servebase ‘cardholder not present’ payment processing solutions support the use of the following anti-fraud measures: Card Verification Value or Code 2 (CVV2 or CVC2) and Address Verification System (AVS).

CVV2

CVV2 is an abbreviation for Cardholder Verification Value 2 which is a 3 or 4 digit value printed only on the payment card and used therefore to verify that a cardholder has the card in their physical possession, giving a merchant protection against fraud. CVV2 is one of two codes comprising the Card Security Code.

AVS

Address Verification System (AVS) enables a merchant to request address information from a cardholder when taking the card details and send it to an acquirer for checking.

The acquirer compares the supplied address information with a stored value to confirm that the person presenting the card knows the address of the cardholder.

Purchasing Card

Servebase payment processing solutions support the processing of purchasing card data to Level 3 (Line Item Detail) and VGIS  for ‘B2B’ transactions.

We support the following purchasing card schemes:

• Visa (VGIS)
• MasterCard One Card
• American Express

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