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With every transaction that passes successfully through the CardPayGo Payment Gateway, the system raises a Cross Reference (sometimes known as a Token). These Cross References can be used in-lieu of card details for the purposes of repeat or recurring payments, as well as refunds based upon an existing payment.

The Cross Reference will allow transactions to be processed for more or less than the original amount , giving you full flexibility to run subscription, membership or any kind of recurring payments business.

Some businesses like to use this service as a PCI:DSS compliant Card Storage facility too. This is entirely possible and can be used by processing a full transaction or pre-auth. If you require any further information, please contact us.

As an added benefit, CardPayGo does not charge for the use of these Cross References, Tokens or Card Storage the only charges are for the processing of transactions.

The Account Updater (also known as the Real Time Updater Service, Visa Account Updater (VAU) or MasterCard Automatic Billing (ABU) Updater) allows the Merchant to request cardholder data from participating Acquirers, Merchant and Card Issuers. This information allows for a seamless recurring or automated card billing process to take place.

The merchant would request updated card details as required in order to ensure that cards that are about to expire are updated, as well as replaced cards are updated too. The service is designed to help merchants increase authorisation approval rates and improve revenue retention.

The service also means that you are not required to make outbound calls in order to request cardholder data, producing an uninterrupted customer payment experience and reduced risk of service cancellation.




Payment Modules

To help our merchants integrate with our Payment Gateway we have taken the time to create plugins for various systems, these are provided as is under a GPL licence.

Fraud Management Tools

Customisable fraud management tools that provide the Merchant with the ability to dictate the levels to which the Merchant’s account will automatically check transaction authenticity.

PDQ Transactions

For any face-to-face card transaction, a PDQ device is required in order to authenticate the transaction using the cardholders PIN. CardPayGo is able to supply a wide range of PDQ terminal devices.

Hosted Form

In order to make the Hosted Form process a little more seamless for the cardholder, we are able to fully customise the payment page. Either the merchant can supply us with full CSS design or we can simply apply a customised header and footer with your company logo to the page.

Mobile Apps

With mobile technology and applications becoming more popular and part of everyday commerce, CardPayGo have embraced m-commerce and have the ability to process payments across these devices.

Direct Integration

With direct integration, your website (complete with SSL certificate) payment pages capture the cardholders personal and credit card details and then forwards these behind the scenes to the secure CardPayGo Payment Gateway.

Disrupting the Payment Services Industry

We have strong relationships with leading acquiring banks providing our customers with choice and cost effective online payment solutions.

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