FAQs - Real-time Credit Card Authentication
|The FAQ categories below reflect pre-sales enquiries about ResPax tour reservation systems. If you have technical/user enquiries, please refer to our user documentation.
Which products allow real-time credit card authentication?
ResPax Lite (extended version) and ResPax Enterprise. This facility is not available on ResPax Lite (basic).
How does the real-time credit card authorisation work?
You must have an e-merchant facility with your bank. This e-merchant facility needs to be able to talk to a gateway to hand the transactions to the bank. For ResPax Enterprise we currently interface with Camtech (for Australia), DPS (for New Zealand, Pacific Islands, Hong Kong, Singapore, Malaysia, India, USA, UK), PSIGateway (for Canada, USA) and Paygate (for South Africa). For ResPax Lite, the payment gateways currently available are Camtech (for Australia) and Paygate (for South Africa). If your credit card merchant facility is able to be connected to these gateways then you can use one of these without any extra customisation.
There is a $200 set up fee to connect your ResPax account to the gateway. Download the ResPax Online Credit Card Authorisation form to get started.
Please explain the real-time credit card authorisation fees?
The 59 cents per transaction we quote is only for clients using Camtech in Australia. If you are using the external gateways (not Camtech the Australian one), then we do not charge you for credit card processing because there is no charge to us. You will need to speak to the foreign gateway provider to see what fees they will charge you for their services.
The credit card merchant fees that you pay the bank are an independent relationship you have with your bank and will need to be negotiated with them at the time you get your bank to issue you with the e-merchant credit card facility.
How can I connect to another gateway?
If you need us to customise the credit card processing to a new gateway (eg. to service a different location) it will cost approximately AUD$1,000 for the programming and testing to make the connection to a suitable gateway provider. Please remember you will need to speak to the payment gateway supplier to determine their fees and charges.
Steps to Connecting to Another Gateway
- Contact ResPax to determine whether the gateway you are wishing to connect to is a suitable payment gateway.
- Establish an account with the payment gateway supplier.
- Provide ResPax with the certificate details.
- ResPax will program and test the connection and advise you when live.