Actual online transactions, the customer's account is debited online instantly. Authorization code generated by the bank is delivered to the merchant instantly. Payment is made to the merchant within 72 hours by local cheques. Nominal one time setup fee Nominal monthly charges. All transactions are in Indian rupees.
Consumer logs on the merchant website.
The customer then verifies the products in the shopping cart and agrees to buy them. He is then asked to submit the delivery address. He is now presented with the various payments options such as cash on delivery, cheque or draft or pays online by credit cards. In case he selects to buy on his credit card or using his PKN he is transferred to the secured server of the Payment Gateway. Here he is prompted to submits his PKN no. or his CC details.