Whether you are in the finance or retail industries, secure and robust payment solutions are fundamental to your business. To successfully automate your payment processes and gain competitive advantage, you need to work with a reliable solution provider who can deliver a high-performance system to meet your unique needs…

The i-Pay Secure Payment suite developed by Innova's experienced technical team and industry experts is a modular online payment solution for banks, service providers and retail companies to securely process financial transactions originating from e-commerce or physical POS purchases. Its open and scalable architecture meets the requirements of enterprises of all sizes.

Automatic payment validation, authorization and scheduled settlement

i-Pay consists of three components that may be deployed together or on a separate basis:

i-pay pos

manages the flow of financial messages between merchants and acquirer banks. The i-Pay POS can handle e-commerce transactions, as well as financial messages originating at physical POS devices or other sources. It supports multiple credit card brands and loyalty schemes, and allows you to add customer-specific transactions. An advanced encryption algorithm ensures message security. For e-commerce transactions, the i-Pay POS provides a facility for centralizing the payment page for merchants, which enhances security and greatly simplifies maintenance and modifications. Thus, new payment protocols may be implemented without making any changes to merchant applications, and a single SSL secured page serves all merchants connected to the system. The i-Pay POS provides the merchant application with XML messages or API's supplied for a variety of Windows and UNIX development environments for easy integration, configuration and administration. |More Detail |

supports multiple authentication methods for e-commerce, including Verified by Visa (MPI) and MasterCard SecureCode, through a single and common module. The software plugs in to a merchant's checkout process and efficiently manages the authentication process. Innova's i-Pay Secure Payment solution supports Visa 3Dsecure 1.0.2, which makes the merchant eligible for the charge-back liability shift on "attempted" Verified by Visa transactions. The i-Pay Authentication can be deployed in conjunction with the i-Pay POS or other payment processing applications.|More Detail |

provides an acquirer-side, proactive screening tool designed to reduce fraud. The i-Pay Fraud Detector further enhances payment infrastructure security by providing a rule-based and real-time control mechanism to screen all transactions simultaneously for signs of fraudulent behavior. The rules are parametric and allow enterprises to customize their screening processes.

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