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Eko's secure SMS payment solution uses the EkoPAY Advanced Module to manage and process your SMS payment transactions. EkoPAY enables you to receive payments from your customers using a credit card that is approved for use with your existing Credit Card Merchant Account (Visa, Mastercard, Bankcard, American Express and Diners Card).
Using EkoPAY with EkoTRANSACT's built in data capture facilities, your customers can include customised information such as an account and/or bill number, and any additional information that you require to process their transaction. Within seconds of submitting an SMS payment, your customer will receive a reply SMS confirming payment approval/decline along with appropriate receipts for their records. In addition, the funds are credited to your account at the end of the business day.
EkoPAY provides you with comprehensive reporting on a daily, weekly and monthly basis, making the reconciliation of your payments a streamlined process. In addition, EkoPAY can email your accounts department each time a payment has been received, or provide XML data feeds.
EkoPAY is also useful for existing merchants to process credit card payments when there is no physical access to a terminal. By entering a customers credit card details in to their mobile phone for approval, the SMS solution becomes a convenient wireless EFTPOS terminal.
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EkoPAY, the secure SMS credit card payment solution offers a comprehensive range of built in features, with an extensible architecture enabling you to implement customised functionality to suit more specific transaction handling requirements of your business.
Real-time Processing - All transactions are processed in real-time providing tactile feedback to the customer, whilst also ensuring funds are received in your account the following business day.
Receipt Generation - Generation of standard and customised transaction receipts to suit your business systems.
Data Validation - Validation against account/bill number formats to ensure a payment can be credited to a valid account.
Profile Capture - Customers can submit personal profile information including credit card details or account numbers to streamline the process of making regular payments.
Integration Capable - Integrate EkoPAY directly into your financial systems for automatic account payment updates via email or XML data feeds.
Reporting - Standard reports providing you with daily payment information and total revenue received.
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The EkoPAY system architecture provides a fast and secure environment for your transactions to be processed in real-time. The Eko SMS Application Server and EkoPAY Advanced Module both communicate with the SMS Gateway and the EFTPOS Gateway respectively using 128bit encryption (Secure Socket Layer). Higher levels of security are achievable using a VPN or direct connections to each gateway.
The Eko Platform has been developed using open standards enabling deployment on almost any operating environment, from enterprise strength unix operating systems to mid-range windows based systems.
Operating Systems Supported - Solaris, Linux and Windows 2000 and above
Database Systems Supported - Oracle, MySQL, Microsoft SQL and other ODBC compliant systems
Web Servers Supported - Apache, iPlanet and Microsoft Internet Information Server
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Eko's SMS payment solutions introduce a myriad of opportunities for organisations to offer wireless payment options to their customers. EkoPAY provides your customers with by far, the fastest method of paying bills anywhere, anytime on any mobile phone. Furthermore, EkoPAY integrates with every other Eko product making it easy to add immediate payment facilities to your SMS applications.
Bill Payment - Organisations with regular billing arrangements with their customers, such as utilities and telecommunications can easily add SMS payment facilities as another option to receive payments from your customers.
Toll Ways and Parking - Use EkoPAY to enable your customers to pay standard toll way and parking fees.
Ticketing and Bookings - Use EkoPay to receive payments for movie tickets, airlines bookings, rental cars, transport and other once off payments.
Couriers - Process a payment at the point of delivery for Cash On Delivery items for couriers and other logistics organisations.
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