INTERNET MERCHANT ACCOUNT

NDMS has spent over a decade in the CNP or card-not-present marketplace and understands the electronic payment needs of:

  • Web Developers
  • ISPs
  • Webmasters
  • Software Companies
  • eCommerce Developers
  • SEOs
  • Web Hosting Companies and their customers

We also understand the evolving needs of eCommerce merchants. Our solutions are designed to help you grow your online business in these ways:

  • Accept a variety of payments, including all major credit & debit cards, ACH and gift cards.
  • Manage your transactions by using our full-featured merchant interface to monitor and control payments through your website.
  • Prevent fraud by identifying suspicious transactions with our built-in fraud prevention tools.
  • Minimize risk by storing sensitive data in the NDMS PCI-compliant data center, never on your computer.
  • Receive payments quickly. Your funds are automatically deposited into your merchant bank account.
  • 24/7 NDMS support provides live technical and account support to merchants, as well as access to online documentation and user guides.

These are the types of eCommerce businesses that NDMS regularly services:

  • E-shop retail B2C
  • E-shop Wholesale B2B
  • E-procurement government
  • Web services
  • ASP
  • ISP
  • Marketing
  • Design
  • E-auction
  • Entertainment/Gaming Services
  • Information Brokerage
  • Value Chain Service Provider
  • Virtual Community

As a payment processor, NDMS communicates with the buyer’s bank in order to determine whether the account has enough funds for the transaction, get an authorization for the sale, and if approved, transfer the transaction amount into your merchant account during the settlement process.

The Authorization Process

When a buyer clicks the "Checkout" button, they are sent to a secure server to complete the checkout sales transaction process. The buyer or cardholder places an order at the merchant's site by clicking the "Send Order" button on the review order page during checkout. Your shopping cart solution sends the authorization request to NDMS, the payment processor. NDMS sends the authorization request to the issuing bank or credit card association.The authorization request includes:

  • Credit card number
  • Expiration date
  • Billing address used for AVS validation
  • CVV number, if entered
  • Amount of the order

When the issuing bank or credit card association receives this authorization request, the Issuing Bank or credit card association:

  • Validates the card number and expiration
  • Checks the amount of the order against the available credit
  • Checks the billing address provided against the billing address on file
  • Validates the CVV number, if provided
  • If approved, the amount of the order is reserved from the total of available credit for the cardholder

The issuing bank or credit card association then sends the authorization response to NDMS. The authorization response consists of either an approval along with Address Verification System (AVS) and Card Verification Value (CVV) response codes or a decline.  NDMS adds response codes to the authorization response and passes the authorization back to your shopping cart solution. If the merchant has enabled Risk Tools, the rules set by the merchant will be run when the response is received from NDMS. The authorization, if approved, is stored on secure servers at your shopping cart solution for later processing by the merchant. Depending on the state of the authorization, the buyer or cardholder receives instructions or confirmation of the order.

If declined, the buyer or cardholder is informed and asked to try a different payment method. If the authorization is approved by the issuing bank or credit card associations then the buyer or cardholder is taken to the order confirmation page.  Note: If the authorization is approved by the issuing bank or credit card associations and Risk Tools is enabled, depending on the rules set, the buyer would see a confirmation or more instructions.

The Settlement Process

The merchant signs in to their account and reviews the order (including AVS and CVV response codes) for signs of fraud. The sale is then stored in a batch for settlement request submitted each day. The settlement request batch with all completed sales is sent to NDMS. NDMS submits the settlement request for the buyer's order to the issuing bank or credit card associations of the buyer on behalf of the merchant. The issuing bank or credit card associations sends the response to the settlement request back to NDMS. If the request is accepted, the buyer or cardholder's account is debited for the amount of the order. It is possible that the settlement request will be declined, e.g., if the buyer has exceeded their credit limit between the time of the authorization and settlement.

Payment Gateways

A payment gateway is an eCommerce service that authorizes payments for e-businesses and online retailers. It is the equivalent of a physical POS or point-of-sale terminal located in most retail outlets. A merchant account provider is typically a separate company from the payment gateway. The gateway usually has two components: A.) the virtual terminal that can allow for a merchant to securely login and key in credit card numbers or B.) have the website's shopping-cart connect to the gateway via an API to allow for real time processing from the merchant's website. There are 92 certified shopping carts that online merchants can use to connect to NDMS and our recommended payment gateways.