Our white label infrastructure is surrounded by fully branded service features designed so that our Partners can sell and operate SOTpay+ as their own, including Partner-branded sales tools; documentation; and second and third level support.
Your PCI DSS Level 1 compliant payment gateway sits on your own chosen URL. It is fully branded, including the responsive payment forms; Merchant Management System; and APIs.
With our user friendly guides, SDKs and sample code, developers can easily complete an integration with the gateway. If an eCommerce website is using a specific eCommerce shopping cart platform, the integration is made even easier with our readily available modules.
The SOTpay+ gateway integrates with all of the popular shopping carts that power eCommerce websites. We are able to white label our open source modules for Partners to provide to their merchants. We are constantly adding new carts to our platform. If you don’t see a specific cart here or if you simply require some advice, contact us and we shall be happy to assist.
To view our full list of shopping modules, please visit our developer zone.
The Virtual Terminal has been designed for merchants to process credit and debit card payments, as well as refund transactions, all in real time. We would strongly suggest that this is used only as a fall back technique or as part of controlled PCI DSS scope reduction, as this allows sensitive data to enter the environment.
The Virtual Terminal user is able to operate the system under certain permissions, giving an ideal solution for call centres, sales clerks and larger organisations who wish to restrict the ability to view transaction information or process refunds. It is a web based portal and can be easily accessed through a desktop, tablet or mobile device.
SOTpay+ is an independent payment gateway, giving our Partners a wide choice to work with any acquiring bank with which we are accredited and integrated. We currently process card payments for all the UK acquirers; many in Europe; and several globally.
SOTpay+ is always looking to increase our acquirer reach and if any Partner requires further accreditation to be undertaken, we are able to look at this on a business case basis.
also known as the Real Time Updater Service, Visa Account Updater (VAU) or MasterCard Automatic Billing (ABU) Updater
The Account Updater allows the merchant to receive updated cardholder data from participating Acquirers, Merchants and Card Issuers. As expiring cards are renewed or lost cards replaced, the updated data allows for a seamless recurring or automated card billing process to take place, reducing the risk of service cancellation.
Merchants receive refreshed cardholder data wihout making outbound calls - producing an uninterrupted customer payment experience; increasing authorisation approval rates; and improving revenue retention.
With every transaction that passes successfully through the SOTpay+ Payment Gateway, the system raises a Cross Reference (sometimes known as a Token). These Cross References can be used in lieu of card details for the purposes of repeat or recurring payments, as well as refunds based upon an existing payment.
The Cross Reference will allow transactions to be processed for the same or more or less than the original amount, giving you full flexibility to run subscription, membership or any kind of recurring payments business.
Some businesses like to use this service as a PCI DSS compliant Card Storage facility, too. This is entirely possible and can be used by processing a full transaction or pre-auth. If you require any further information, please contact us.
As an added benefit, SOTpay+ does not charge for the use of these Cross References, Tokens or Card Storage
A comprehensive fraud monitoring and prevention system is built into the payment gateway and managed within the Merchant Management System. It is used to protect merchants and minimise fraud by enabling them to set transaction frequency limits and card usage within a specific timeframe.
Payment transactions are reviewed for repeating patterns within a defined period of time. The check can be performed based on various sets of data such as number of transactions or value of transactions over a given period.
There are two different responses that the gateway can present. A soft limit will notify the merchant by email that a threshold has been met; or a hard limit which will fail a transaction if the threshold is met.
SOTpay+ is a vast network of partners and functions that spans alternative payment methods, fraud prevention tools and acquiring bank accreditations. By collaborating with prominent organisations in Payments, SOTpay+ can offer white-label partners and wide range of alternative payment methods. These include popular wallet functions such as PayPal, Apple Pay, Android Pay and MasterPass.
The importance of alternative payment methods in your merchants’ payment solution are well documented. When a card holder approaches your merchants’ payment page, the greater and more convenient the range of payment methods available, the greater the chance of winning a sale, increasing your merchants transaction volume. By easing the checkout process, custom is retained.
Alternative payment methods simplify the process by storing your card information locally and generating a token that is used to perform a transaction, making the payment secure and quick because it saves having to re-enter card information. It also greatly increases your potential range of customer base, making your payment solution universally accessible.
SOTpay+ offers Card Security Code (also known as CV2, CVV, CSC) checks, as well as Address Verification System checks (AVS) to strengthen the transaction when the cardholder is using a card that they have the right to use. SOTpay+ also recommends to use 3D Secure (Verified by Visa (VBV) and MasterCard SecureCode MSC) again to strengthen the transaction's security. SOTpay+ can offer 3D Secure with every eCommerce Merchant Account using the Payment Gateway.
3D Secure Explained
3D Secure authentication was developed by Visa with the intention of improving ecommerce payments' security and cardholder confidence. MasterCard has also adopted the service, along with JCB and Amex. The full 3D Secure service is available using the SOTpay+ Payment Gateway and there is no additional charge for this service.
Fundamentally, 3D Secure allows the cardholder to create a unique password for their relevant debit or credit card. This works very much like the PIN would with a PDQ machine in order to authenticate a payment, as only the cardholder should know that password.
3D Secure stands for 3 Domain Server, relating to the three parties involved with the process: the Merchant, the Acquirer and the card issuers. This process is the most recent of fraud prevention services available for eCommerce Merchants and cardholders to use.
In addition, 3D Secure also assists the merchant's liability cover for each transaction authenticated by the process. We would suggest checking with your Acquirer as to what exactly this covers. Chargebacks can still happen, as this will still be decided by your acquirer.
Further information about 3D Secure can be found within the relevant integration guides.
Being able to process cross-border and in local currency is becoming increasingly important with card payments. SOTpay+ is able to process in all worldwide currencies and settle in all currencies that the Merchant Acquirer allows.
Allowing for multiple currencies should facilitate sales. A wide choice of local currencies opens up access to a variety of global markets, rendering geographical borders more manageable. Your merchants will have the capability to manage their money and FOREX as and when they require.
The Pay Button function gives the merchant the ability to create an HTML link that can be embedded into HTML content (eg a website or HTML website). When clicked, it will allow a payment to be taken via the hosted form that will be pre-populated with the data specified when creating the link within the Merchant Management System. A QR Code can also be generated using this method.