Payment Courier™ allows your existing IBM iSeries, AS/400, AS400, i5 and System i applications to complete secured,
Credit Card Authorization and Settlement transactions with credit card processing networks. This sophisticated
credit card/debit card processing system resides on your IBM iSeries, AS/400, AS400, i5 and System i platform along with your existing systems.
Payment Courier™ contains a Java based integration subsystem, designed for multiple integration
possibilities - it can be seamlessly integrated with your Order Entry, Billing, Shipping and Invoicing
systems - wherever it fits best with your Business process and system capabilities. Included in the package
is the Card Not Present and the Card Present Transaction Consoles, designed for single point integration with 5250 systems, the Web Account
Manager - a self service module necessary for any eCommerce system, and numerous reporting programs.
The modular architecture of Payment Courier™ allows numerous choices for integration - whether you
integrate the communication API's with your existing database or choose to extend your system's capabilities
with Payment Courier's powerful database and data management modules is entirely up to you, and the results
the same - fast, secured Credit Card transactions. In fact, after installing and configuring Payment Courier™
on your system, you can begin processing transactions immediately, using the PmC Transaction Console as a turnkey solution.
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Account Management, Authorization and QuickPay Card/Account entry modules.
Compliant with PCI Standards and Recommendations.
Card Present and Card Not Present capabilities for maximum flexibility.
Integration Possibilities
PmC Transaction Console - designed for ease of integration and the human interface point, the Transaction Console can be used as a standalone menu option, called from your existing applications or both.
PmC Direct - 3GL interfaces to the PmC API set. This code takes care of the parameter passing and messaging from and to the set of Gateway API's. PmC Direct can be integrated wherever it makes best sense for your systems; Order Entry, Shipping, Invoicing.
PmC Web Account Manager - allows your customers to manage their credit card data in the PmC Standard Edition database, directly from their browser.
An extendable Java subsystem - you are not locked into a proprietary connectivity solution.
Payment Courier™ Editions
Payment Courier™ has been designed to meet the needs of a wide variety of Merchant and Order Fulfillment
systems, which is why Payment Courier™ is available in two Editions - Standard and Adaptive. Each edition
offers the Merchant the same processing power needed for IP Credit Card processing, with different system
integration needs. Standard for the Merchant whose systems do not have the eCommerce capabilities, and Adaptive
for those Merchants who primarily require the secured API connectivity and Transaction logging.
PmC Standard Edition
The Standard edition includes everything a Merchant needs to process Credit Cards - database, data management programs and Standard Edition connectivity API's.
Integration choices include the Transaction Console, a single point of integration, which can cut integration costs considerably; PmC Direct and the Web Account Manager.
The PmC Standard Edition requires the minimal amount of integration effort.
No programming! You can choose to use PmC Standard Edition as a turnkey solution - install, configure and begin processing credit card transactions.
PmC Adaptive Edition
The Adaptive Edition is for Merchants who have a database containing the data elements required for processing Credit Cards.
The Adaptive Edition API's contain exit routines which allow the Merchant to include their existing database, as opposed to a custom programming effort.
With the addition of a development license, the productivity features of the Standard Edition (such as the Transaction Console and Web Account Manager) can be adapted to the Merchants existing database & systems.
Web Account Manager
The Web Account Manager allows a Merchant to include a self service component to the Standard Edition, allowing Customers to manage their own Profile, Shipping, Billing and Payment information.
Includes many options such as an Authorization page, QuickPay Credit Card Entry, QuickPay Bank Account Entry pages.
Integratable with most eCommerce web systems. Can be used with the Adaptive Edition, with the inclusion of a development license.
Payment Courier™ in action
Customer Order is entered into the Merchant's OE system and calls the Payment Courier™ API.
Payment Courier™ stores the Authorization Transaction, establishes secured connection with Gateway server and sends the Customers card and purchase information.
The Gateway connects to the Merchant Bank Processor and sends the transaction.
The Merchant Bank Processor connects to the Card Interchange network and sends the transaction.
The Card Interchange Network forwards the transaction to the Card Issuer.
The Card Issuer accepts or declines the Authorization/Capture/Void/Credit transaction.
The Card Interchange Network routes the Authorization response back to the Merchant Bank Processor.
The Merchant Bank Processor routes the Authorization response back to the Gateway.
The Gateway returns the response back to Payment Courier™.
Payment Courier™ updates the Transaction with the response and returns the response data to the Merchant's system.
The Card Interchange Network sends the Transaction to the Merchant Bank.
The Merchant Bank deposits the funds in the Merchant's Bank Account.
