Won’t it be nice to get paid quickly wherever your business takes you? NOW YOU CAN.

Nowadays many people carry mobile devises such as iPhone, Blackberry or any smart phones, iPad, Palm etc for its convenient multi-purpose functions. Whether you are an eCommerce merchant or a businessman, if you already have a mobile, you can find a mobile payment solution now for accepting credit card payments at anytime, anywhere with anyone. With Discover Enterprise’s Mobile Settlement – 3D Secure (3DS), you can process credit card on the spot quickly and easily at your customers' places by just login to a unique URL using your web-enabled mobile phones. Furthermore, chargeback and fraudulent cases can be minimized when all transactions are performed under 3D Secure platform.

Ideal for:

• Business that consists of many sales agents or stockists.
  
  
• Anyone who does business away from the office
  
  
• Accepting payment on the spot when the job is completed or goods & services are delivered.

Features:

• Process Visa & Master Card with 3D Secure (3DS) authentication.
  
  
• With 3D Secure implementation, customers feel safe when shopping on the website.
  
  
• Fast & Easy way to accept payment on the spot.
  
  
• No need to incur costs to purchase terminal machines.
  
  
• No more waiting for the checks to be cleared or for invoices to be paid.
  
  
• Add as many staffs or agents as you need under a single merchant account by providing user ID to each of them.
  
  
• You can easily manage all users and transactions using our Merchant Control Panel (MCP) anytime using any computers with Internet connection.
  
  
• Provides added convenient payment option for both you and your customers.
  
  
• Increases your overall sales, credibility and customer satisfaction.
  
  

What do you think if EMAIL can make your customers pay you automatically without you issue any invoice slips and wait for the payment to be banked into your account?

TIME IS MONEY. We understand that almost all businessmen want to get their payments from customers at the shortest time. Discover Enterprise now introduces a simple online payment solution without any system integration requirements for e-Commerce merchants –-> EMAIL CREDIT CARD PAYMENT – 3D SECURE (3DS).

 Credit card payment can be processed online quickly and safely through email by just passing a unique encrypted URL of our SSL payment form to your customers. How? Create an encrypted URL for each order, and send to your customers. They can just click the link and pay online. Mailing the invoice becomes needless and online payment is more efficient with Discover Enterprise Email Credit Card Payment.

Ideal for:

• Merchants who needs to check stock availability before charging customers.
  
  
• Business with booking or reservation facility.
  
  
• Selling customized products/services.
  
  

Features:

• Process Visa & Master Card with 3D Secure (3DS) authentication.
  
  
• Fast & Easy. No system integration required.
  
  
• Mailing the invoice becomes needless, and billed amount can be paid easily just by sending emails.
  
  
• No more waiting for the checks to be cleared or for invoices to be paid.
  
  
• 24/7 of real time online settlement.
  
  
• Provides added convenient payment option for both you and your
  customers.
  
  

Virtual Terminal is an online version of the credit card swipe machines used in retail stores and restaurants. It’s the easiest and the most affordable way to process phone, fax and mail orders by turning any computers with an Internet connection into an online credit card terminal. Just login to our secured Virtual Terminal site and enter your orders.

Compare to machines, Virtual Terminal gives you added advantages:

• Low Cost – There is no need to invest in expensive machines and equipment.
  
  
• Quick and Simple Setup – There’s no additional hardware to purchase and no software to install. You can do your business anywhere at any time you access the Internet.
  
  
• Increase Sales – Business can be expanded beyond the Internet. More market opportunities can be explored.
  
  
• Dual Function - Virtual terminal can be used to accepting credit card payment online or over the counter at retail stores.

Thinking of simple, affortable and secured way to start your online business? Then Discover Enterprise’s HTML Payment Link Method– 3DSecure may suit your processing payment need ! You simply need to send customer information to the system by HTTP-POST format. Then our system will display a SSL payment form in which customers enter their credit card information. The system takes care of the rest of the process featured with 3D Secure (3DS) and all customer information is stored in our secured server. As a result, you do not need to worry about the leakage of personal data and information of your customers. Furthermore, chargeback and fraudulent cases can be minimized when all transactions are performed under 3D Secure platform.

To suit different kinds of business nature, there are about 14 designs of the payment page that you can choose from. Not only that, the payment page can also be customized in accordance with your needs and requirements. The integration is simple and quick, given that you have or recruit person who has skills on programming and web developing. You do not need to build a SSL server yourself by using this method. Therefore, you can introduce online credit card payment very easily.

Ideal for:

• Any online stores with shopping cart system
  
  
• Online shopping mall/website in Malaysia
  
  
• Online-Ticketing

Features:

• Process Visa & Master Card with 3D Secure (3DS) authentication, namely “Verified by Visa” and “MasterCard Secure Code”.
  
  
• 128 bit Secure Socket Layer (SSL) - To ensure secure communication over the Internet.
  
  
• No SSL certificate is required from merchant.
  
  
• Able to customize the payment page based on your requirements by inserting your favourite pictures.
  
  
• It is useful to prevent fraudulent cases and reduce chargeback as all settlements are performed under 3D Secure platform.
  
  

Thinking of which kind of payment options you would provide in your online store? Are you facing problems where your customers get frustrated and give up when they aren’t able to process payment online due to inappropriate payment options? It has been statistically proven that inconvenient and insecure payment options will cause significant negative impact on the overall sales of your online store. The image of your company will be affected as well. With our expert system team, Discover Enterprise helps you to implement a seamless payment solution – 3D Secure Payment Gateway!

Gateway method is integration between your developed system and our gateway system. If you have developed a SSL server, you're recommended to use this method. With the continuous efforts in improving the online processing security, Discover Enterprise has come up with 3D Secure Gateway processing system for Malaysian merchants. The strength points of using Gateway method are, you can design your own system and the appearance of the payment form that suit your business. Furthermore, your customers are processing transactions under the same domain without jumping to other domain of the payment form. Online processing are all performed in your server, which will make them feel safe and secured. You won't lose any opportunity of getting your sales.

By using this method, you need to set up a secure payment form with SSL certified and send payment information entered by your customers to our gateway system API via HTTP. Then, our system will redirect (respond) the transaction result in text format after the transaction is completed. You need to analyze the transaction results and process it accordingly. The transaction result can be sent only to the API from which the transaction data is sent. Merchant’s API needs to have both sending and receiving function.

Ideal for:

• Any online stores with shopping cart system
  
  
• Online shopping mall/website in Malaysia
  
  
• Well-known organizations with in-house IT department

Features:

• Process Visa & Master credit card with 3D Secure (3DS) authentication, namely “Verified by Visa” and “MasterCard Secure Code”.
  
  
• Techical supports and advices during system integration.
  
  
• Able to design your own system and the appearance of the payment form that suit your business.
  
  
• It is useful to prevent fraudulent cases and reduce chargeback as all settlements are performed under 3D Secure platform.
  
  

What is FPX?

Financial Process Exchange (FPX) is an alternative payment channel for customers (through their current or savings account) to make payment over the Internet via online real-time such as online stores as well as for corporations to collect bulk payment from their customers.

 

It is a safe Internet banking fund transfer one does not need a credit card for any transactions. It requires electronic authorization of every transaction and the debits are instantly reflected in the user’s account. Transactions are secured using the customer’s online account personal identification number (PIN) authentication system to increase the user account's security.

 

It leverages on the Internet banking services of participating banks and provides fast, secure, reliable, real-time online payment processing. FPX provides a complete end-to-end business transaction, resourceful payment records, simplified reconciliation and reduced risks as fund movements are between established financial institutions and companies.

 

Supported by the local financial institutions, FPX is jointly developed with Financial Institutions and is owned by MEPS.

 

What are the benefits merchant using 2-in-1 SERVICE with Discover Enterprise?

• One-Stop solution for online payment (Online credit card payment and non-credit card payment). Once you have signed up with us, you’re entitled to get BOTH online credit card payment service and FPX automatically. In such way, you are able to target at customers who do not have credit cards or those who are afraid of using credit cards for online shopping. You won’t lose out your business opportunities.
  
  
• Convenience and Customer Satisfaction. Additional payment options increase flexibility and convenience to your customers when they shop at your website. As a result, you will be getting more and more regular customers returning to you when the customer satisfaction increases, and it reflects on business sales.
  
  
• Real Time Processing and Prompt Confirmation. Payments are processed in real-time online, thus merchants are assured of payment. FPX enhances efficiency via automation and reduces the time taken from customer order stage to the payment stage. Once the payment is processed, prompt confirmation and notification of payment status will be sent to the customers and the merchant.
  
  
• Security and reliability. Up-to-date security measures such as 3D Secure authentication and 128 bit SSL certification to ensure that the online credit card payment transactions are safe and secured.

FPX transaction flow:

• Click on ‘FPX’ icon within the merchant’s web page.
  
  
• Choose preferred bank for debiting purposes.
  
  
• Login User ID and Password at customer bank’s Internet Banking website.
  
  
• Purchase value will be debited from the customer’s account and credited to the merchant’s account.
  
  
• Customer and merchant receive notification confirming transaction.
  
  

FPX participating banks:

Local Banks	Foreign Banks
Maybank	HSBC
Hong Leong Bank	Citibank
CIMB Bank	Standard Chartered Bank
Public Bank	Deutsche Bank
RHB Bank
Bank Islam