Online Credit Card Processing
Online credit card processing offers your business the benefit of an
invaluable online customer service and an electronic point of sale on
the world wide web; what is emerging to be the most globally recognised
and accessible world market.
Low Transaction Charges
Our typical rates are just 8p per transaction with no percentage transaction
value charge on credit or debit cards meaning you only pay a low set amount
per transaction and nothing else. Our pricing is the most competitive
in the UK, beating all of our leading competitors on value. This is our
commitment to a practical and affordable e commerce solution for your
business.
Fully Integrated Shopping Cart
Your online credit card processing facilities come fully integrated into
your shopping cart for an out of the box store solution ready to accept
payments straight away.
Email order confirmation
Your customers can receive customised email message cofirming their order
of your products. You can change the message your customers read to suit
your business.
Manual Payment Processing
You may already have a manual credit card terminal (or PDQ). You may
be paying on avearge £240/year for it's rental. An online version
of the manual credit card terminal is included with this service so you
can ditch your terminal and use our online version, saving you £100s.
Links to all major UK banks
Get real time authorization and clearing from all major UK banks; Barclays,
Natwest Streamline, HSBC, Lloyds TSB, BoS, RBoS.
Fraud Prevention
All of the industry standard and latest fraud prevention and detection
are avaiable with your service including CV2 checking to verify the security
number on the back of the card and AVS for verifying the cardholder address.
No Failed Transaction Charges
We do not charge for failed transactions like many Payment Solutions
Providers.
Industry Standar Security
Our servers use SSL (Secure Sockets Layer) encryption. This is an industry-standard
protocol to transfer information via the Internet securely. When SSL encryption
is being used you will see the padlock symbol in your browser and the
URL will begin HTTPS as opposed to HTTP. Our servers are running with
the maximum level of SSL encryption (128-bit).
Universal Payment Gateway - fast, low-cost online payments!
UPG is a system that enables live credit and debit card transactions to take place from your web site. It performs realtime card authorisation with automatic settlement to your bank for all transactions.
Merchant accounts
Please note that you will need a merchant account with a UK bank to accept card payments through UPG. If you already have a merchant account we will contact your bank to request an additional Internet merchant number for you. If you do not have a merchant account at all, we can help you to obtain one - please see the details.
About the service
For the first time we have made available an online processing service that does not go via a PSP (Payment Service Provider). Instead we link straight into one of the UK's largest IP payment networks, known as "UPG" (Universal Payment Gateway). This network is at the root of online payments for all the major UK banks.
This payment network offers the following advantages :
 Very low transaction fees - just pay for what you need
Fast authorisation and processing times
Extremely resilient network processing millions of transactions per month
Links into all major UK banks - Barclays, Natwest Streamline, HSBC, Lloyds TSB, BoS, RBoS
"Virtual terminal" to manually enter card payments, allowing you to ditch your PDQ machine!
Refunds
Pre-authorisation - ie. the ability to authorise the credit card, for final payment to be taken only when goods are shipped
Multi-currency (requires separate merchant IDs from your bank for each currency; some banks do not support this feature)
Benefit from a huge investment and infrastructure
The UPG was built to process the transactions for large corporate businesses, and Inter Flash Design are the first company to open up this network for the smaller business.
Fraud prevention
The UPG offers the latest in fraud prevention measures, including :
CV2 checking - verifies the security number on the reverse of the credit card
AVS - verifies the cardholder address
Much more than just online payments
The UPG payment system is used in conjunction with either our eCOM Basic, Standard or Premium service - offering secure form hosting, form building wizard, optional shopping cart, affiliate tracking and email newsletter management tools. Whether you just require your own simple order form, or a complete end-to-end e-commerce system, our service has a solution to match your requirements.
And our system is able to capture your customer's ordered product details as well as just payment information - meaning that our service is a complete order capture and payment system. This is one of the key benefits that makes our service different and more useful than traditional PSPs.
PRICING
Our online payments service is priced very competitively, and is purchased in "blocks" of transactions upfront. You can purchase any number of transactions from a minimum of 100. The purchased transactions can be used at any time - there is no time limit in which they have to be used, however please note that if you cancel your Inter Flash Design account that we cannot refund any unused transactions.
TRANSACTION FEES
No. of transaction credits purchased
|
Total Cost
|
Equivalent cost per transaction
|
100 |
£25 |
25p |
250 |
£55 |
22p |
500 |
£99 |
19.8p |
1,000 |
£149 |
14.9p |
5,000 |
£499 |
9.98p |
10,000 |
£899 |
8.99p |
25,000 |
£2000 |
8p |
50,000 |
POA |
POA |
Please note :
We DO NOT charge for failed transactions, unlike many traditional PSPs
Typical pricing example
| eCom Basic plus online processing with UPG |
| eCom Basic setup (one-off) |
£35 |
|
Online processing upgrade (one-off) |
£25 |
| Annual Fee |
£85 |
+ transaction fees as in table above |
All prices subject to VAT of 17.5% to EU customers
If you already have an account with us you only pay the upgrade fee (£25) and the transaction charges as displayed in the table above.
Manual Payments - save yourself the cost of the terminal!
Got a manual credit card terminal? Processing your transactions by hand? Well there's no need to do so any more - you can use our service to process all your telephone and mail order credit card transactions as well as your online ones. This could save you typically around £240 per year, being the normal cost to rent a credit card terminal. And furthermore by processing your card payments through our system you will benefit from the CV2 and cardholder address checks, for no extra charge!
What to do next
1. If you already have a merchant account
see our services (if you already have an account with us then you do not need to open a new one).
Please complete the online application form for the UPG payment gateway.
We will then contact you to organise the link to your merchant account.
Please do not contact your bank to set up an internet outlet for your merchant account as this will lead to delays - we will instead contact the bank on your behalf.
2. If you do not yet have a merchant account
Complete the application form.
We will then attempt to source a merchant account for you.
We will contact you to advise the next steps.
Please note that we cannot guarantee that your application for a merchant account will be successful. We are unable to refund the £25 + VAT application fee if your application is rejected by the banks.
Please note that we can only offer online card processing to UK based companies.
If you require more information on our UPG service please go here.
Have a question?
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