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Cash Flow Specialists, Inc.

Toll Free (800) 669-2700

How it works

PaymentsGateway.net is a high performance financial transaction gateway that is used for obtaining authorizations, settlement and/or funding, in addition to comprehensive reporting for transactions via the internet. Communications to the gateway can come in a number of different forms including TCP/IP Socket connection, HTTP, and FTP. PaymentsGateway.net uses a client/server architecture to transfer transactional data from the point of origination (merchant’s website or transaction server) to the some of the largest financial processing centers in the world. Transactional data is submitted for funding and then response information is returned to the point of origination. The PaymentsGateway.net transaction processors take the secure and/or encrypted transaction data from the merchants via the Direct Socket Interface (DSI) and process it in real-time. Next, the response information is returned to the client for fulfillment typically within 2-3 seconds. Interfacing to the Payment Gateway servers can come in a number of different forms including a complete line of shopping cart software in addition to low level interfacing such as from a Perl, Java, or other TCP/IP capable application or programming language.

Services Supported

PaymentsGateway.net processes the entire spectrum of financial transactions to provide a total solution from a single source. The current line of services include:

Credit Cards
Electronic Debit (Savings and Checking Accounts)
Electronic Credit (Direct Deposit/Commissions/Etc.)
Paper Drafting (e.g. Paper Checks by Phone)
Check Processing Services

Transactions can be processed in a number of ways including:

Real-time transactions
Batch Mode (via a separate product)
Recurring (weekly, bi-monthly, monthly, quarterly, etc.)

Credit Card support includes:

VISA
MasterCard
American Express and Optima
Diner’s Club
Discover
JCB

Electronic Funds Transfer support includes support the debiting and/or crediting of U.S. checking or savings accounts via the Federal Reserve’s ACH (Automated Clearing House) network.

Paper Check and Drafting services allow for merchants to receive and/or disburse checks without having to perform any of the labor involved with producing, mailing, or depositing the checks. Checks can also be disbursed on behalf of a merchant’s client to a third party. An example of this would be a bill payment service would pay a utility company on behalf of a mutual customer.