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Payment processing in US Dollars for Global eMerchants

• Processing and Settlement in US Dollars For Global eMerchants
• All major credit cards processed
• Verified By Visa and MasterCard Secure Code security
• Verisign 128 bit security and CVM verification
• No Merchant Account required
• Works with any shopping cart. Free shopping cart included
• Free Auction Collection Service through Email
• Free Bill Collection Service through Email
• Free Virtual Terminal
• No Chargeback fees
• Cutting edge M.A.R.S. merchant accounting module
• Cost-effective pricing
• Quick and Convenient payout options

Payment processing in Indian Rupees for Indian eMerchants

• Processing and Settlement in Indian Rupees For lndian eMerchants only
• All major credit cards processed
• Direct Debit facility to twelve major Bank's accounts
• Verisign 128 bit security and CVM verification
• No Merchant Account /Special Bank Account necessary
• Works with any shopping cart. Free shopping cart included
• Quick & Easy Integration with our Payment Gateway.
• Free Auction Collection Service through Email
• Free Bill Collection Service through Email
• Free Virtual Terminal
• No Chargeback fees
• Cutting edge M.A.R.S. merchant accounting module
• Cost-effective pricing
• Our Payment Gateway ALSO processes credit cards" Valid only in India & Nepal"
• Indian Customers can also pay through their Indian bank accounts.
• Our Payment Gateway Offers 'Authorize & Capture' and other facilities.
• Quick and Convenient payout options

Credit Cards Accepted
VISA, MASTER CARD, AMERICAN EXPRESS, DINERS CLUB, CITIBANK E-CARDS, JCB CARDS AND ONLINE BANKING INTERFACES. Our gateway has been approved as a Super/Master Merchant by Citibank, ICICI Bank, American Express, UTI Bank, IDBI Bank, Centurion Bank and HDFC Bank. This new technology solution allows e-merchants to accept online payment from their customers, via any of the following credit card brands.

	Master Card: The world's No. 1 card (issued anywhere in the world, including cards 'Valid only in India and Nepal').
	VISA: The world's most preferred card (issued anywhere in the world, including cards 'Valid only in India and Nepal').
	American Express: The world's favorite card. More than 50 million cards in circulation and growing! With the recent U.S. courts ruling in its favor, it is poised to be the world's No. 1 card in the near future.
	Diners Club International: The world's No. 1 charge card. Approximately 200,000 Diners Club card holders exist in India alone... an old corporate favorite.
	JCB Cards: The JCB merchant network of 7.96 million spans 183 countries, and serves more than 38 million card holders worldwide, who spend US$42 billion annually on their JCB cards.
	Citibank E-Cards: The new initiative of Citibank, launched to promote safe and secure E-shopping.
Net Banking
	HDFC Online Banking: One of the first private sector banks in India and constantly voted as the best new upcoming company of the year for the last two years, HDFC Bank currently lists over 1 million account holders in the major metros alone.
	Citibank NRI Account Holders: With over 160,000 Non-Resident Indian Account Holders, holding a minimum balance of Rs. 10 lakhs, this is voted as the most preferred bank of the NRIs.
	Citibank Current Account Holders: Consists of over 300,000 Resident Indian Account Holders, with a minimum balance of Rs. 1 lakh.
	Citibank Suvidha Account Holders: This category includes over 150,000 highly tech-savvy Account Holders from Bangalore, Mumbai and Delhi alone.
	ICICI Infinity Net banking Account Holders: ICICI Bank has over 47 Lakhs customer account and has a network of 357 branches, 44 Extensions counters and has over 1000 ATM's as of 31st January, 2002. It has over a million internet banking accounts which includes over 2, 00,000 N.R.I Internet banking accounts.
	IDBI i Net banking Account Holders: IDBI Bank has a network those today spans 61 cities, 82 branches & 244 ATMs. The bank currently has over half a million customer accounts and is now-poised to touch a million during next 12-18 months.
	UTI iConnect Net banking Account Holders: UTI Bank has a very wide network of 145 branch offices, 27 Extension Counters, 22 service counters, over 516 ATMs and is aggressively perusing its online iConnect net banking initiative.
	Global Trust Bank Global Trust Bank is a technology driven bank with its vision set for the future. The Bank, with a very strong Top Management Team (Ranked # 2 by Business World, Oct 2000 and the # 1 Best Bank by Financial Express -Bank Survey Feb 2001), is managed by Professional Bankers. The Bank has been creating records of sorts, even before it started operations. At the end of 35 months the total business exceeded Rs.43.02 billion, making Global Trust one of the fastest growing banks in India
	Centurion Bank: With a network of 116 ATM's, spanning across 43 cities and towns across India, Centurion Bank was one of the earliest banks to provide Telephone banking, PC Banking and Internet Banking to its customers.
	THE FEDERAL BANK LTD is a regional banking giant with strong national presence and global reach. From its humble beginning as Travancore Federal Bank Ltd. almost 5 decades ago, Federal Bank has grown to become India's largest private sector bank and is now the largest scheduled commercial bank in Kerala. Today it has more than 2 million account holders and has more than 400 branches worldwide. It has strong patronage of NRI Community and NRI deposits constitute 28 % of its total deposits. In the year 2000, Federal Bank launched its Internet Banking Facility "FedNet", which is hugely popular with NRI's based in the Middle East.
Pricing and Type of Schemes
We are offering the following two schemes for you to choose from, as per your business model:

* TDR = Transaction Discount Rate
* Set Up Charges = One time fees, Non refundable
* Annual Fee = Software Upgradation Cost (Payable 1st April , Every Year)

PAYMENT CYCLE:
You have 12 days from the receipt of the orders to execute and capture the order amounts. If your business model demands that you capture the amount in advance for future delivery i.e. a period beyond 12 days from receipt of the order, and your customer is explicitly agreeable to this, then you may do so before the 12th day. Orders not captured will not be reflected in your account after this. Orders can be accessed by logging into your Live Merchants Account with the username and password registered on sign-up. All orders shipped/executed until Thursday midnight IST are processed for payment the following day. Transactions are then paid-out to your designated bank account by depositing cheques in Mumbai to your bank account (if your bank permits it) or by sending you a Citibank at par cheque, encashable in your city, by courier to reach you no later than the next Monday or Tuesday.

Minimum Balance Requirement:
On commencement of the account Live Merchants will retain the first Rs 1000/- as a minimum balance requirement for keeping your account in live mode, in the same way as a bank account operates. Subsequently all and any amount over this will automatically get paid out.

Features :

• Set Up fee is a one time fee only.
• Facility to upgrade from economy scheme to premium scheme by paying the difference in set up fees. No changes to be made at your end.
• Shopping Cart and other services available to both schemes.
• Both Schemes to have access to complete online Sub Merchant Account Management, with a central reporting facility on every transaction. This includes reports on sales, credits, voids Œ to support non-repudiation, balancing, portal settlement reporting, processor settlement reporting and other back office functions.
• Visibility into transaction level information is protected by passwords.