Payment Gateway is a service that allows merchant to accept secure credit card transactions online.

EBS provides complete, simple and secure online payment gateway services and e-business solutions to websites, with real time credit card transaction validation. This enables the websites to transact and accept payments online and in real time. EBS offers different solution suiting businesses including direct Merchant account with financial institutions like Axis, HDFC & Citibank

You can download the application form available on our website and send online or by fax or mail
You can also apply by registering online or email at sales@ebs.in

No. You can sell your products or services globally

EBS offers multiple payment options on a single platform. EBS is among the very few service providers who have completed the PCI DSS 1.1 Compliance which is the highest security standards in the payment card industry. It has different options and pricing to suit all business models. Apart from offering e-commerce solutions EBS provides complete education and guide to a successful e-commerce business.  EBS provides a very comprehensive and user friendly backend for merchants for detailed MIS reports to manage transactions thus managing their e-commerce business smoothly

Once the application / signup along with the payment is received, our approval team will get back to you with the approval status. On receipt of approval, you will receive list of documents to be filled and sent to activate your account. Incase your account is a rejected you would be getting a refund in 7 working days from receipt of rejection.

EBS  uses seven server architecture model which helps in better encryption of data which protects the clients information. All the customer’s credit card authorization is done using the high-tech Axis, HDFC and Citibank’s secure servers and the same is encrypted before it is transmitted over the Internet to the Acquiring Banks. Additionally EBS servers  are behind security firewalls to ensure maximum protection of your customer's information. This guarantees that your information is inaccessible to any third party. EBS uses  the best industry-standard 128 bit SSL (Standard Sockets Layer) Verisign Technology, which ensures the security of the data

Internationally Certified Security Standards.

To ensure that our merchants and their clients enjoy a secured ecommerce experience we are equipped with  an array of international  standards to curtail fraud and chargeback.  These are internationally certified security standards, which ensure the security of transactions through our website

EBS has achieved the new PCI DSS 1.1 Standards of Compliance, which makes it one of the most secure payment gateways in the world.

EBS  uses  Verisign, the world's best and most trust worthy Net Authentication Agency

 Hacker Safe Secure Certificate ensure daily testing for online security.

EBS  implements the new Verified By Visa and the MasterCard Secure Code protocols which are expected to reduce charge back-level by as much as 90%.

Apart from the above, we have the state of the art Risk Management System that automatically categorizes transactions based on risk.  The RMS software employs a number of parameters to evaluate risk of transaction on real time.  This is further backed up by a manual audit who review each transaction by physical verification using skills and the files provided by the financial institution

Constant update of technology helps the team utilize their knowledge base & intellect in R & D for conferring excellent results for our business.  The team constantly works on different aspects essential for reducing online frauds.

Your company's business name would appear on your customer's billing statement,  that would add value to your brand & avoid possibilities of chargeback

All the transactions processed by Credit Card through EBS are always presented to the merchant in the “Preauthorisation” mode which means that the merchant is guaranteed that the customer’s card is good / credit worthy for the amount of that transaction for the next 7 days. During this period of 7 days the merchant has to perform any one of the following actions.

a) He may decide not to fulfill the order and mark it as cancelled.

b) After arriving at a consensus with the buyer decide to ship part of the ordered goods and claim only an amount equal to the shipped order.

c) Ship all of the ordered goods and claim the entire value of the transaction.

If the merchant is confident of shipping the goods within the time he may go ahead and capture the amount within 7 days (as this is the time the transaction can be authorized or after it stands automatic cancelled) and subsequently ship the goods. If the merchant subsequently fail to do this and wish to refund the amount, the charge of the requisite TDR will have to be borne for the gateway usage.

For merchants account direct with Financial Institution once you capture the transaction, if the transaction is approved by the bank & our Risk team, the amount will be transferred to your account in 24 to 48 working hours after deducting the TDR and Service Tax. ( for mastercard & visa transactions with the bank)

For others T + 2 days settlements i.e. where funds would be transferred after 2 days of capture of transaction. If your bank is not participating in NEFT we will send you the cheque though courier (for Visa, Diners, Cash card, All Netbanking facility with EBS)

You can login to your admin module for checking the status of your order or transaction. The login details would be given to you as soon as your account is activated.

Detailed MIS reports that can be downloaded are provided in the admin module which helps the client to manage orders and transactions. Some of them are Reports on Authorized transactions, Pre-authorized transactions, Failed Transactions, Flagged Transactions, Settled transactions.

A refund that is forced by a credit cardholder's credit card company is known as charge back. This occurs when a cardholder decides to formally dispute a charge on his/her credit card bill, usually because someone else fraudulently used that card number. Charge backs are handled within the standard VISA/MC guidelines. However, we do take the extra step to pro-actively assist you with your charge back rebuttals to help you respond promptly to any charge backs. Most importantly, we monitor all accounts pro-actively and watch all risk issues carefully. In the event that there is an issue or concern, we work closely with you and your business to resolve it quickly. Our efforts in this area result in a common-sense approach to risk management that is often very different from our competitors. A CHARGEBACK CAN ONLY BE REVERSED IF THE CREDIT CARD HOLDER FORMALLY INFORMS HIS/HER BANK OR CREDIT CARD ISSUING INSTITUTION THAT HE/SHE WILL ACCEPT THE DISPUTED CHARGE.

No, you don't require SSL certificate on your website as we are using Verisgn SSL certification. However it’s entirely your decision to have it at your site.

You will be aware that, if a transaction of Rs. 5000/- is received from your site and forwarded to the gateway and authorized in real time, it means that the amount of Rs. 5,000/- is blocked from your customer's credit card limit for a period of 8 days. For eg. If customer's Credit Card credit limit is Rs. 25,000/-, Rs.5,000 will be blocked for your transaction with Rs.20,000 credit balance for a period of 8 days from time of authorization of the transaction.  This Rs. 5,000 which is blocked for 8 days will not be reflected in their Credit Card statement until the amount is captured from your EBS account module.

Therefore it is vital that the merchant ships the order within 7 days and capture the transaction amounts from your EBS account. If your business model requires capture of the amount before you actually provide the service/product and subject to your customer agreeable for the same, only then you may do so. In case the transaction is not captured within 7 days, the transaction automatically be cancelled from the payment gateway system on the 8th day and the credit card limit of Rs. 25,000/- is restored to your customer's Credit Card.  As this system ensues that the amount cannot be blocked from customer's card forever it also facilitates Merchants to cancel a transaction if it cannot be fulfilled for some reason or capture a partial amount within 7 days from receipt of the order.  Also cancellation charges of 6% on the cancelled amounts are not payable for such cancellations.   However, when a customer has selected net banking option for paying a transaction amount, the customer’s account will be instantly debited for every successful transaction.

The EBS Payment Gateway system requires that you view details of orders placed by your customers and capture the transaction amount within 7 days in order to credit the said amount to the merchant’s account.

The following steps can be taken 'To Capture transactions as enlisted below:

STEP 1: Click on the 'Authorized' (Payments).

STEP 2: To see the details of the transactions click on the 'Payment ID Number’ 

STEP 3: Click on the Capture button for the transaction you want to capture.  You may change amount to lower than the authorized amount if required for in case a partial amount is required to be captured

STEP 4: For each transaction captured will be reflected in the Processing list.

STEP 5: All successfully captured transactions

Please note that it is recommend that the merchant accesses this Module regularly (at least 4 times a day) to capture orders as transactions are kept pending for only 7 days from authorization of the transaction. After of the 7th day (i.e. on the 8th day) the order is automatically cancelled by the system.

A Merchant can cancel an order with out any Service fees being charged only as long as the order is cancelled in the window period (7 days). If the merchant fails to either capture/cancel in the window period, transaction becomes invalid.

Note: When atransaction paid through credit card is cancelled within 7 day period of capture then transaction charges will not be applied to that order. However in case of transactions paid using the net banking option the TDR will still be applicable as the cancellation of that order amounts to a refund.

An acquiring bank (or acquirer) is the bank or financial institution that accepts payments for the products or services on behalf of a merchant. The term acquirer indicates that the bank accepts or acquires transactions performed using a credit card issued by a bank other than itself.