SecurePay Online Payments is an online payments solution that allows you to accept customer payments online in a highly secure, PCI DSS compliant manner.
SecurePay Online Payments has two elements:
1. An internet merchant account that manages the authorisation and transfer of funds between your customer’s credit card and your bank account.
2. A payment gateway, to ensure that credit card data is transmitted securely from your website to your internet merchant account and card providers.
When a customer proceeds to checkout, SecurePay Online Payments securely transmits the details of the request between your website, the banks and the card providers involved. Usually, in just a few seconds, you and the customer get confirmation of the result of the purchase.
SecurePay Online Payments gives your customers more payment choices (Visa, MasterCard and more), and it allows them to make a purchase online straight away, which can help you convert more sales. Your customer’s credit card and personal details are transmitted securely and your business doesn’t have direct access to full credit card numbers, giving customers peace of mind and reducing business risk for you.
PayPal is a third-party payment processor, so it acts as a middleman between a customer and you. Customers are directed to the payment processor’s site to complete a transaction and the fees charged are generally higher. With SecurePay Online Payments, customers have the option to pay you directly and securely online – no PayPal account required. With SecurePay Online Payments, you can also still accept PayPal payments, so you are simply creating more ways that customers can choose to pay.
Businesses that accept credit card payments online must comply with a compulsory transaction security standard called the Payment Card Industry Data Security Standard (PCI DSS). This is a standard developed by the companies that provide debit and credit cards to customers, such as Visa and MasterCard. The PCI DSS guides businesses on how to ensure that customer details and card data are transmitted, processed and stored securely. SecurePay Online Payments holds the highest possible PCI DSS security and can help you ensure your business is handling credit card details in a safe and compliant manner.
SecurePay Online Payments holds the highest level of Payment Card Industry Data Security Standard (PCI DSS) accreditation – level 1 PCI DSS compliance. The company is regularly and externally audited by Vectra Corporation. As a wholly owned subsidiary of Australia Post, SecurePay’s financial and internal control systems are also externally audited by the Australian National Audit Office (ANAO). All SecurePay staff undergo screening and extensive background checks.
Payments are processed in real time, typically within a few seconds. The settlement of funds happens within a few days, depending on your agreement terms.
An internet merchant account is separate to your standard business bank account and it’s compulsory if you want to accept payments online. The internet merchant account manages the authorisation and transfer of funds between your customer’s card and your business bank account. The funds that are processed by the internet merchant account are deposited into your bank account.
You or your website developer can use a simple integration guide to combine your preferred shopping cart platform, such as Magento or Bigcommerce, with SecurePay Online Payments. It integrates with all of the most popular e-commerce shopping carts.
If you have already chosen a supported shopping cart and want to integrate SecurePay Online Payments, select the SecurePay module from within the shopping cart administration area. If you have a website developer, you can also refer them to the SecurePay Developer Centre.
This depends on whether you choose to have a hosted payment page or host the payments on your own website. In most cases, businesses choose a hosted payment page that they can customise to have the same look and feel as their website, as this reduces your PCI DSS compliance requirements. While customers are in the secure payment gateway environment making a purchase or payment, a padlock is displayed and the site has an https address to reassure customers that the transaction is secure.
You’ll pay just 2.4 per cent on each domestic Visa and MasterCard credit card transaction, which is deducted when the payment is processed. This means that the net amount in your bank account is all yours. There are no set-up fees and no monthly or annual bills, and you only pay when you make a sale. You can find out more about pricing here.
SecurePay has more than 15 years’ experience in helping Australian businesses transact securely online – in fact, 40,000 businesses already rely on us to help them accept online payments. SecurePay was purchased by Australia Post in 2010, which is why your SecurePay Online Payments contract is with Australia Post, but you log in to your account with SecurePay, in our secure online environment.
If you already have an internet merchant account and don’t want to change providers, we can supply just the second element you’re missing: the payment gateway. A payment gateway ensures that data is transferred securely between your website, the banks and the card providers, so it’s also compulsory for e-commerce businesses.
Payment gateway costs depend on how many transactions your business processes each month. With a SecurePay payment gateway, you can pay as you go if you have a small number of transactions (we recommend this if you have fewer than 75 a month), pre-pay and save if you process up to 5,000 transactions a month, or select a high-volume discount plan if you process over 5,000 transactions a month. There are also phone and direct entry options for enterprises, councils and government. You can find out more about the different SecurePay payment gateway pricing options here.
An online payments solution allows you to accept payments securely via your website, giving your customers peace of mind and minimising your business risk.Get started >
Get online fast, with less hassle. SecurePay Online Payments has a simple online application process, with no visits to banks.Why SecurePay? >