The Clikpay software resides on the merchant's web-server and will service requests to provide order information to the Bank's system. It is the function of the shopping mall software to generate order files for every purchase made and also to update the status of each order to reflect when the actual goods have been shipped. Secure environment Providing a secure mechanism for the transmission of sensitive data has been a prime consideration in the design of Clikpay. In addition, a customer's credit card details are only transmitted to the Bank and are never sent to the merchant. Payment processing functionality Clikpay provides complete functionality for merchant payment processing, including authorization, capture and clearance.
Clearing is done on a batch basis.
The initial release provides support for VISA and Mastercard credit cards and support for Dollar, Irish Pound, Sterling and Euro currencies. Convenience Clikpay sends credit card details directly to Bank of Ireland which eliminates costly and time consuming manual handling. At no stage does the Bank receive details of the type of product purchased by the customers, thus guaranteeing customer privacy. Privacy of credit card details Credit card numbers are never sent to the merchant but are only known by the Bank. This promotes customer confidence in conducting online transactions on the merchant's site.