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e-Commerce and payments


The iPay payment engine is the heart of the e-Commerce and payments capability for Governments.

iPay is an integrated multi-channel, multi-mode payment system specifically designed for government to receive payments.

Handling payments through various channels, such as online payments through a web interface, personal payments through a POS (Point of Sale) system, telephone payments through an IVR interface and mobile payments through smart phones, iPay brings unprecedented scalability and functionality to handling electronic payments for government. iPay complies with PCI data security standards.
Credit card payments

iPay accepts payments via all major credit cards, Interac debit cards, Visa/Master debit cards, digital wallets.

other payments

iPay can accept payments from online, mobile, IVR, over the counter, over the phone and kiosks.

multi-acquirer system

iPay is a multi-acquirer system and supports a number of payment processing gateways like Moneris, Chase Paymentech, First Data, PSI Gate, Beanstream, Official Payments and a number of other gateways.

POS software

iPay-POS is a powerful POS software for cashiers supporting over the counter payments.
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mobile POS solution

miPay is a flexible and secure mobile POS solution to accept payments any where.
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iPay supports convenience fees and taxes. iPay can be used as part of the iGov framework or as an independent payment application.

iPay accepts all modes of payments (i.e., credit cards, debit cards, digital wallets, cheques, drafts and pre-authorized bank account debits) and has the ability to accept debit cards both at the POS terminal as well as on web.

iPay can integrate/interface with virtually any backend application or database.

iPay-POS helps Governments to accept over the counter payments.

miPay helps Governments to accept payments at remote locations and during special events.

Advantages

Quick collection of payments

Reduced paperwork and reduced cost of cheque processing

Payments from Bank Accounts help avoiding payment of credit card commissions

Central system to handle all payments from all applications