As you establish your new business, or expand into eCommerce to complement your 'real world' business activities, Dextrous brings a complete range of eCommerce solutions to help you.

Through our solution and services you can accept credit card from your web site. A Merchant account is created through which all the global transactions will be credited into the acquiring bank and will, periodically, be brought down to your bank account wherever you wish.

Payment Gateway refers to an e-commerce service that authorizes payments for e-businesses & online retailers. It in a way represents a physical POS (Point-of-sale) terminal located in most retail outlets. Payment gateways encrypt sensitive information, such as credit card numbers, to ensure that information passes securely between the customer and the merchant

Working of Payment Gateway

• Visitor places the order on website and it is sent to the merchant's web server in encrypted format. This is usually done via SSL(Secure Socket Layer) encryption.
• The transactions details are then forwarded to the concerned Payment Gateway.
• The transaction information is then passed on to the merchants acquiring bank by the Payment Gateway.
• Merchants acquiring bank then forwards the transaction information to the issuing bank (one that issued the credit card to the customer).
• Then the card issuing bank sends a response back to the Payment Gateway. The response includes information that whether the payment has been approved or declined. In case of declination the reason is also send in the response.
• The response is then forwarded by the Payment Gateway to the merchants server.
• At merchants server the response is encrypted again and is relayed back to the customer. This allows the customer to know that whether the order has been placed successfully or not.
• The entire process typically takes less than 5 seconds. At the end of the bank day (or settlement period) the acquiring bank(or card issuing bank) deposits the total of the approved funds in to the merchants nominated account