sales@encoded.co.uk | 01293 229 700
  • About
  • Products
    • IVR Payments
      • IVR Payments – The Ultimate Guide for 2024
    • PayByLink
    • Agent Assisted Payments
      • Agent Assisted Payments – The Ultimate Guide for 2024
      • Fraud Prevention Platform
    • eCommerce Payments
    • Gateway Services
      • Fraud Prevention Platform
      • Google Pay
      • Apple Pay
    • Payment Orchestration
      • Payment Orchestration – The Ultimate Guide for 2024
    • SMS Chat
  • PCI DSS
  • Customers
  • News
  • Support
  • Contact us
Contact us
Contact us
sales@encoded.co.uk | 01293 229 700
  • About
  • Products
    • IVR Payments
      • IVR Payments – The Ultimate Guide for 2024
    • PayByLink
    • Agent Assisted Payments
      • Agent Assisted Payments – The Ultimate Guide for 2024
      • Fraud Prevention Platform
    • eCommerce Payments
    • Gateway Services
      • Fraud Prevention Platform
      • Google Pay
      • Apple Pay
    • Payment Orchestration
      • Payment Orchestration – The Ultimate Guide for 2024
    • SMS Chat
  • PCI DSS
  • Customers
  • News
  • Support
  • Contact us
our products

Gateway Services

A payment gateway bridges the gap between Merchants and Acquirers.

Business benefits include:
  • Allow least-cost acquiring via dynamic acquirer selection
  • Hosted Payment Fields mean merchants control the look & feel of payments
  • Work with Open Banking for increased speed and security
  • Seamlessly integrate with Encoded’s entire suite of payment products for an improved customer experience
  • Dev Friendly API for easy implementation and happy developers
OVERVIEW

What is a payment gateway?

A Gateway is the bridge between merchants, acquirers and banks, whatever the payment channel.

A top priority for every business is cash flow. This means ensuring that payments are processed effectively and ideally first time around. Encoded Gateway Services allow your customers to submit their card details and then bridges the gap between you as a merchant and your chosen payment acquirer and bank.

The faster this process happens the quicker the payment can be approved by the card holder’s bank and settlement is confirmed. Using Encoded’s Gateway in association with its other card payment solutions leads to reduced transaction costs and greater security.

Why Encoded?

Encoded is a Level 1 PCI DSS accredited supplier – which means that contact centres and their customers can rely on Encoded’s technology with absolute confidence.

Compliance made easier
Encoded Gateway helps merchants to achieve PCI DSS (Payment Card Industry Data Security Standard) compliance by providing solutions that completely de-scope their e-commerce store.

Using Gateway Services you can also protect your customers and ensure adherence to the Payment Services Directive (PSD2) and Strong Customer Authentication (SCA) regulations with EMV 3-D Secure (3DS2) functionality out-of-the-box.

Developer Friendly
Encoded’s Gateway is designed to make technology enthusiasts happy. It uses a readily available dev friendly API, is easy to implement, enables user acceptance testing (UAT) and test environments – including test card data.
Above all Encoded Gateway does something other Gateways don’t – it leaves developers and merchants in control of the look and feel of their e-commerce pages by using Hosted Payment Fields. Which means when you want to make a change you are in control and are not required to revert back to Encoded.
Download our Gateway brochure
Encoded is an independent gateway services provider and can connect to multiple acquirers, choose the least cost acquirer and manage regular payments via a ‘token vault’.
Download guide
Features and benefits

What are the Key Features of a Payment Gateway?

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PSP solutions and Payment Gateway from a single partner

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A feature rich, single and simple to use Application Programming Interface (API)



Integrates with dozens of Acquirers and Payment Gateways

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Converged commerce – online, in-app, MOTO and Open Banking via one system

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EMV 3-D Secure (3DS2) functionality out-of-the-box

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Hosted Payment Fields for freedom in terms of branding and style while remaining PCI DSS Compliant

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Secure token vault for safely storing card data

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A single, centralised portal for management and reporting

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Includes Encoded’s Patent Pending Fraud Protection Platform

Key benefits of a Payment Gateway
  • Dynamic acquirer selection for least-cost routing and acquiring to save money
  • Hosted Payment Fields save time and confusion as developers retain control of the look & feel of e-commerce pages
  • Reduces and eliminates PCI DSS scope to improve security and reduce the cost of compliance
  • Faster settlement and reduced transaction costs through a single provider for improved cashflow
  • Seamless integration with Encoded’s entire suite of payment solutions for reduced cost and improved customer experience (CX)
FAQ’s

Frequently Asked Questions

O PWhat is a Payment Gateway?

A payment gateway securely validates payment card details. Customers provide their card details which are then passed from the merchant they are purchasing from to the acquiring bank. The bank then confirms whether the payment has been approved by the cardholder’s bank and settlement can be made.

O PWhat does Least-cost Acquiring mean?

Different acquirers or as they are known – acquiring banks or merchant banks, charge different rates to merchants depending on various factors. Using the Encoded Payment Gateway you can enter the different rates you have been offered. Then when payment traffic is sent it will select the acquirer with the best rate. Hence least-cost acquiring. Not all Gateways have this option.

O PWhat are Hosted Payment Fields?

Hosted Payment Fields replace Hosted Payment iFrames which display a web page within a web page, hosted by a payment service provider (PSP). Encoded’s Hosted Payment Fields allow merchants to build their own checkouts in terms of brand and styling, while remaining PCI DSS compliant via the least burdensome Self-Assessment Questionnaire (SAQ A). Developers are happy because it means they don’t have to refer to Encoded each time they want to make a change – the merchant remains in control.

O PWhat does Developer Friendly API mean?

Encoded’s Payment Gateway uses a widely available application programming interface (API) which makes implementation easy and for happy developers. The Gateway also allows extensive and easy user acceptance testing (UAT) and testing environments with test card data. Combined with Hosted Payment Fields the dev friendly API provides merchants and their developers with control of the look and feel of their ecommerce payment pages.

O PWhat is a token vault?

Payment tokenisation is a process that replaces a primary account number (PAN) with a unique payment token that is restricted in its use, for example, to a specific device, merchant, transaction type or channel. A token vault is a secure centralised server where the issued tokens, and the PAN numbers they represent, are stored securely. This is often used in recurring payments and provides a secure and seamless service to the customer. Security is key as the token vault is the only area in which the token can be mapped back to the consumer’s original card details. Encoded’s token vault complies with Payment Card Industry (PCI) specifications.

O PWhat is a Fraud Protection Platform?

Encoded’s Fraud Prevention Platform (FPP) is a new payment solution that helps reduce fraud and increase the number of successful mail order, telephone order (MOTO) transactions. FPP provides a frictionless payment experience for your customers, without increasing the risk of fraud.

When PPF is combined with Encoded’s Agent Assisted Payments solution, instead of notifying the customer that a transaction has been declined, an agent can simply advise them that an additional level of validation is required. Different organisations can choose from a number of options to validate the customer’s information, providing an extra layer of payment security.

O PWhat is Open Banking?

Open banking helps customers manage and make more of their money by allowing secure access to their banking and other financial data. Using new apps and services provides people with more control over their finances and the security and speed of this technology will drive adoption. We have already seen younger customers, familiar with using their phone and apps, see the benefits and flexibility that Open Banking offers.

Need help?

Contact us on 01293 229 700 or book a call to learn how integrated payment solutions including Gateway Services can reduce payment costs.
Contact us
SERVICES

Payment solutions for contact centres

Our suite of payment solutions for contact centres include Gateway Services, IVR, Agent Assisted Payments with Fraud Prevention Platform, eCommerce Payments and SMS PayByLink.

IVR Payments

Interactive Voice Response Payments (IVR Payments) is a method that allows callers to enter their card data via touch tones. This self-service process enables debit and credit card payments to be handled 24/7.

Learn more

PayByLink

Designed for large corporates, Encoded’s PayByLink service offers a fast, hassle-free method of sending a one-time-use short code link to a customer’s phone or email address which can then be used to open a simple payment form.
Learn more

Agent Assisted Payments

Agent Assisted Payments enable your contact centre agents to process card payments without being exposed to sensitive card data. Customers use their telephone’s touch-tone keypad to tap in their card details while remaining in conversation with the agent throughout the transaction.
Learn more

eCommerce Payments

Enabling your customers to securely transact through your website. Encoded eCommerce Payments provide contact centre customers with secure checkout options online and on the go. Encoded creates online pages to match a company’s individual site designs, to keep the customer experience (CX) as seamless and secure as possible.
Learn more

Gateway Services

A Gateway is the bridge between merchants, acquirers and banks, whatever the payment channel. A top priority for every business is cash flow. This means ensuring that payments are processed effectively and ideally first time around.
Learn more

SMS Chat

SMS is widely accepted as a non-intrusive, convenient method of communication. Encoded offers a feature rich, highly secure customer engagement messaging solution. As well as SMS and Voice, Encoded’s solution also integrates with many other messaging services such as Facebook messenger.
Learn more
RESOURCES

Download our guides

Secure Contact Centre Payments brochure

Download brochure
Ultimate guide to Payment Orchestration
Download guide
Making Outsourcing Pay white paper
Download white paper
WHAT THEY SAY

What our customers say about us

“We needed to offer our members both fast and secure Payment Card Industry Data, Security Standard (PCI DSS) compliant payment methods and advanced e-commerce capabilities using automated technology. Encoded had done their homework and cared about our members and our business, even suggesting additional creative ways to use Encoded technology. From the outset, it was clear they were exploring new ideas to help us work even smarter.”

Karen Coates, Chief Operations Officer, The Wine Society

“We handle hundreds of thousands of calls every year that demand a broad knowledge of financial and legal matters as well as general property maintenance issues. Encoded presented a sound proposal that promised to deliver round-the-clock efficiencies in a cost effective package. The final overall approach and sophisticated IVR technology proved to be the perfect answer to our business problems.”

Tracey McCabe, Head of Customer Service, First Port Property Management

“We decided to refresh the online experience in response to customer demand and changes in the industry. It was a moment of clarity – Encoded was already handling our secure payments with data being fed into our billing system. We needed to create a front-end link so that customers could access this information themselves, rather than relying on speaking to an agent every time they wanted to make a payment or a change to their account details.”

Business Optimisation Manager,
Severn Trent Water

“One of the key reasons for choosing Encoded was to improve the team’s experience of managing large scale migrations from legacy payment systems. With Encoded’s in-depth knowledge of data security, PCI DSS compliance and the latest payment regulations, JT had confidence that the integration would be carried out within the project timescales and to budget.”

Tim Peach, Finance Operations Manager, Jersey Telecom

“From the outset, it was evident that Encoded grasped our requirements for an easy to deploy, fully transparent solution that could integrate seamlessly with our own IT systems. What is more, Encoded offered us a solid and highly scalable platform that promised to drive efficiencies whilst delivering the personal touch to those callers who needed it most.”

Collections and Recovery Department, One Savings Bank

“Along with the simplicity and highly configurable nature of Encoded’s solution, we were impressed by everyone’s professional, can-do attitude backed up by excellent support. Encoded offered a truly scalable solution that could grow with our business. In particular we trusted Encoded to support new ventures such as flexecash® which has already been adopted by a number of high street retailers.”

June Potts, Head of Customer Contact, Park Group

“Tens of thousands of calls relating to payment and meter reads are handled by sophisticated technology provided by Encoded. Encoded’s solutions have supported our business from day one, having been selected from a shortlist of four vendors for its ease of use, speedy implementation and cost-efficiency.”

Shell Energy

“Today, around 10% of all our sales are made using credit or debit card transactions. Our job is to make it easy for customers to pay for services swiftly and securely. Encoded listened carefully to our requirements, made sensible recommendations along the way and even adapted the technology to suit us. The whole experience ran smoothly and we were impressed by their level of knowledge and understanding of our business.”

Peter Doyle, Risk Manager,
Health-on-line

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To discover how our secure payment solutions can free up your contact centre agents' time allowing them to focus on customer service, more complex enquiries and revenue-generating activities.

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