Understanding Ecommerce
Secure Payment Processing

1. The consumer places an order. The customer places an order at the merchant's Internet storefront, using his or her payment method of choice. The merchant may also enter an order on the customer's behalf through the Bluepay Virtual Terminal.

2. The transaction is securely processed in real-time. BluePay gateway, provides secure, real-time connectivity from your storefront to the payment gateway platform. Our gateway product, BluePay, securely routes the transaction through the financial network to the appropriate banks, ensuring that customers are authorized to make their purchase.

BluePay Payment Gateway uses a client/server architecture for performing transaction processing. The client is installed on your merchant site and is integrated with your e-commerce application. The client may also be pre-integrated with shopping cart solutions and store management systems.

For transaction authorization, the BluePay client software establishes a secure link with the BluePay's processing server over the Internet using an SSL connection, and transmits the encrypted transaction request. The processing server, which is a multi-threaded processing environment, receives the request and transmits it to the appropriate financial processing network.

3. The transaction is approved or denied.
When the authorization response is received from the financial network, the response is returned via the same session to the client on your site. The client completes the transaction session by transparently sending a transaction receipt acknowledgment to the server before disconnecting the session. The BluePay Payment Gateway then confirms that the transaction has been securely routed and processed. As proof of a securely processed transaction, both the customer and you, the merchant, receive a transaction confirmation number via web browser and/or e-mail.

Total time spent:
approximately 2-3 seconds.

4. The transaction is settled.
The approved transactions are then batched to your Merchant Account provider at the end of the day to begin the settling process into your business checking account.