Sage Gateway
What is a Payment Gateway?
A payment gateway is the engine that fuels the communication and transmission of
data between the functional components of the payment process. It relays the
request for payment (which may come from a shopping cart, a virtual terminal, an
in-house accounting system, or even a retail terminal) in the appropriate electronic
format to the appropriate entity (a bank, Visa/MasterCard, or processor).
Then it relays the response or authorization that sets the funds transfer activity.
Security Features
Security is important before, during and after the payment processing process.
To fully ensure security, Sage Payment Solutions employs proven technology to transmit
data safely and best practices procedures to safeguard consumer data. Sage
Payment Solutions is PCI compliant, which requires diligent adherence
to anti-fraud measures to protect merchants and consumers.
Sage Gateway utilizes Secure Socket Layer (SSL) authentication and
encryption technology. This is patented technology developed by Netscape
Communications and relies on encryption developed by RSA Data Security, Inc. and
other cryptographic providers. SSL encryption protects information being transmitted
across the Internet from third parties.
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Integrating with Sage Gateway
Our Sage Virtual Terminal, shopping cart and product catalog are pre-integrated
tools that merchants can use easily and immediately to process payments securely
and efficiently. Smaller merchants benefit from these tools that speed the
development of powerful customized eCommerce applications and give websites a professional
appearance.
Larger merchants with more complex product lines, software companies, and ISPs may
choose to use our API to integrate directly with the Sage Gateway. Sage Payment
Solutions provides complete integration information, guides, and toolkits along
with technical advice and
documentation for using the Sage Gateway, Virtual Terminal and Shopping
Cart.
When remote servers or customer's web browsers access the Sage Gateway Commerce
Server, the connection between the 'client' and our Commerce Server becomes
a dedicated 'link'. This is done by the exchange of keys between our Commerce
Server and the 'client', which each use the keys for encrypting and decrypting
the data which is passed between the connection. This allows the 'client'
to send information that is encrypted and would appear as jumbled or mangled text
across the Internet to the Sage Gateway Commerce Server where the data is decrypted.
Most web browsers have a method of notifying you or your customers that they are
on a secure connection with a server, which uses SSL technology. Clues that you
are on a SSL server include locks on toolbars, keys, and solid blue lines around
your browser.
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The PCI Standard is a mandatory global
standard established by the Card Associations to ensure the protection of cardholder
data. Based on twelve guidelines, the PCI Standard requires merchants to make their
physical and virtual environments secure to ensure protection of cardholder data.
As a merchant accepting credit cards as a form of payment, you are required by the
Card Associations to adhere to the PCI Standard. The PCI standard encompasses
the security programs from Visa and MasterCard, CISP and SDP, respectively.
The PCI standard sets technology requirements such as the use of data encryption,
end-user access control, and activity monitoring and logging. It also includes procedural
mandates, such as the need to implement formal and documented security policies
and vulnerability-management programs. Compliance with the standard applies to
all types of merchants, retail, mo/to, and Internet. All merchants need to follow
best practices for storage and destruction of all paper or electronic records containing
account numbers or cardholder data. Additionally, merchant service providers
processing credit cards need to be PCI compliant. To verify that Sage Payment Solutions
is compliant,
click here.
Importance of PCI Standard Compliance and/or Certification:
It is clear that ensuring the safety of your customers' cardholder information
can help your business strive to create and maintain a positive image, enhance customer
confidence and even assist in improving your bottom line. Additional benefits include:
- Reduced exposure to fraud losses resulting from the theft of cardholder data
- Enhanced consumer confidence, which can result in higher sales
Detailed information on PCI compliance
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