iPayGateInternet Payment Gateway presents an extension of PowerZaC services, providing internet stores with access to legacy authorization systems. It combines advanced internet payment and security methods (address verifications, VISA 3-D secure, MasterCard SecureCode) with merchant plug-ins to create easy-to-deploy advanced feature interfaces.

• Stand-alone system for processing credit card payment authorizations/transactions
• Built with a modular architecture that supports unique rules for any card type
• It reduces Web shop application complexity by adjusting specific needs of "internet shops" to common e-payment functionalities and business logic induced by card issuer
• Additional security to Internet transactions is provided by iPay - Extended Private Payments

iPayGate provides adjustments of business logic. It adapts 'Web applications' to Legacy Authorization System requirements.
By using uniform ZAC - UMF message frames, iPayGate supports three types of message frames common for all card type

PREAUTHORIZATION / AUTHORIZATION / TRANSACTION MESSAGE
REVERSAL REQUEST MESSAGE
SIGN-ON MESSAGE

iPayGate provides the perfect interface between a WEB Shop and a Legacy Authorization System.
The communication to the WEB Shop will be established using a native TCP/IP stack through the specified socket port. The communication to a Legacy Authorization System is accomplished by using any supported communication interface. iPayGate have embedded elements that protect against Denial of Service attacks therefore it can be configured to deny processing with the same number of credit card within a preset period of time and deny authorizations on increment requests. When configured accordingly iPayGate will recognize that kind of request and ignore it.
The operation may be performed independently for each port / link or on system basis.

It generates settlement data for both the Web Shop and the Legacy Authorization system. One for the Legacy AuthorizationSystem contains all required data and the other part is for the WEB Shop Application. It contains a Reference ID instead of the PAN and the Reference ID serves for transaction matching.
iPayGate can act to a Legacy Authorization System like a remote host, a remote access controller or a virtual POS network.