Here’s how you can get started :

1. Sign Up for an Instant Test Account and get login credentials through email. Post login get Test Merchant Key and credentials for test
2. To activate Account ,Fill in the details and submit documents
3. Add your bank account details for payouts
4. Integrate your website/app with Payment Gateway (PG). Click on the below through Integrations Link
5. Get Merchant ID and Secret Key
6. Fire a Test Transaction
7. Go Live
8. Get payouts of the transactions in your bank account

Introduction

Secure and Hassle-Free Payment Gateway Service for Banks, Merchants and PSPs.

1. PG Application is EMVCo Certified for MPI 2.0,Visa Certified for 3DSecure 2.0, MasterCard Certified for 3DSecure 2.0 and hosted on PCI-DSS 3.2.1 Certified environment.
2. Offer your customers quick & easy Payment experience with options like Payment Links, Recurring Payments, Multi-Currency Options , Customised Local Language Pages to name a few.
3. With PG Application, one can get started quickly with a wide range of integrations. Integrate with wide range of Server Plug-ins ,SDK, Shopping Carts and Hosted pages.

How it works behind the scenes

Transaction Flow

Transaction Flow of Payment Gateway is as below:

1. Step 1: Customer adds products to his cart and proceeds to checkout by clicking on payment option on your website/app.
2. Step 2: Merchant will sent the Token request to gateway ( Payment Gateway Application) to the get payment ID and the URL (Hosted page URL).
   Below is the URL for redirecting the customer to the Gateway payment Page : https://test-vegaah.concertosoft.com/CORE_2.2.2/transaction/jsonProcess/JSONrequest.This way Merchant will redirect the customer to VegaaH payment secure page with unique transaction ID received in the first leg of response.
3. Step 3: Customer enters card/other payment details on Payment Secure page.
4. Step 4: PG Application validates Merchant request fields and card details and also does the risk check.
5. Step 5: PG Application then interfaces with Interchange for the 3D secure authentication.
6. Step 6: Once authentication step is completed, PG Application routes the transaction to Bank for authorization.
7. Step 7: Upon receiving the response from bank, PG formats the response and provides to the merchant who in turn shares with Customer.

Transaction Types supported

1. Purchase (Action Code 1) :
   Purchase transactions are transactions which are immediately flagged for settlement post submission. Here customer’s amount is immediately debited from bank account.
2. Authorization (Action Code 4) :
   Here the customer amount is not debited immediately from bank account , rather the amount is blocked till the reference transaction is not requested for capture.Transaction authorizations are authorized immediately but are not flagged for settlement. These transactions must be flagged for settlement using the Capture transaction type.
3. Capture (Action 5) :
   This transaction type is applicabe only for Authorization Transaction. Capture flags the authorized transactions for settlement.Point to note is that the amount submitted in Capture can be equal to or less than that of original authorization transaction.
4. Void Transactions of Purchase,Refund,Authorisation (Action Code -3,6,9) :
   Void Transactions will cancel an existing sale or captured authorization. In addition, non-captured authorizations can be voided to prevent any future capture.Note :-Voids can only occur if the transaction has not been settled.
5. Refund/Credit (Action Code -2) :
   Transaction refunds will reverse a previously settled or pending settlement transaction. If the transaction has not been settled, a transaction void can also reverse it.
6. Transaction Inquiry (Action Code 10) :
   Allows merchants to quickly and easily retrieve detailed information about past transactions.

Payment Methods supported

1. Credit Cards/EMI
2. Debit Cards
3. NetBanking
4. Wallets
5. UPI

Key Features

1. Subscription based :
   Manage your recurring payments by your customers with the subscription/recurring based payment feature.
2. Link Based Payments :
   Generate Payment link through portal or directly through API and share with customers via an email, SMS, messenger, chatbot etc
3. Customised local Language :
   Supports customization of portal and hosted page in local language
4. Express Checkouts :
   Enable tokenization of card details for express checkouts
5. Multiple Currencies :
   Enable merchants to collect payment in multiple currencies
6. Dynamic routing :
   Route transactions based on multiple business logic in order to enable higher success rate and be save on costs
7. Security & Certifications :
   PG Application is EMVCo Certified for MPI 2.0,Visa Certified for 3DSecure 2.0, MasterCard Certified for 3DSecure 2.0 and hosted on PCI-DSS 3.2.1 Certified environment.

How to Integrate

Merchant Integrations

Server Plugins :

1. Wide range of server plug-ins available . They are Java, .net, PHP, Ruby,Angular,NodeJs, Phython, React
2. Merchants can integrate their apps with SDK Integrations availale for-Android, Flutter, Ionic, Cordova,IOS, React Native, Kotlin
3. Shopping Carts- PG Application supports integrations with major shopping Carts :-Magento, BigCommerce, PrestaShop,Joomla, Woo, Cs.Cart, Shopify, openCart

Type of Integrations

1. Hosted Integration :
   Here, you can choose to redirect your customers to a standard hosted page or customised hosted page according to your website look and feel.
2. Direct Integrations :
   Merchants who have the necessary security compliance (PCI DSS) can choose to have direct integration with PG Application. In such a case, their customers need leave their website and the card details can be captured in their own website payment page.

Test your payment flow

Test your transactions with below credentials and process

Test Credentials :

Purchase API :Purchase (Action Code 1) -Purchase transactions are transactions which are immediately flagged for settlement post submission. Here customer’s amount is immediately debited from bank account. Type: POST Test Server Link: Production Server Link, Request Parameters, Response Parameters, Sample Request , Sample Response, CheckAPItxnStatus

• :POST Test Server Link:Production Server Link, Request Parameters, Response Parameters, Sample Request , Sample Response, CheckAPItxnStatusAuthorization API

• :POST Test Server Link: Production Server Link, Request Parameters, Response Parameters, Sample Request , Sample Response, CheckAPItxnStatusCapture API

Void Transactions API :POST Test Server Link: Production Server Link, Request Parameters, Response Parameters, Sample Request , Sample Response, CheckAPItxnStatus

Refund API :POST Test Server Link:Production Server Link, Request Parameters, Response Parameters, Sample Request , Sample Response, CheckAPItxnStatus

Check Transaction API:This API enables Merchant to check the status of the transaction. Method Type : POST Test Server: Link Production Server Link, Request Parameters, Response Parameters. Sample Request, Sample response , CheckAPItxnStatus

Generate Payment Link API:This API enables merchant to generate Payment link through portal or directly through API and share with customers via an email, SMS, messenger, chatbot etc.Method Type : POST Test Server: Link Production Server Link, Request Parameters, Response Parameters. Sample Request, Sample response , CheckAPItxnStatus

Troubleshoot

Please find the response codes inorder to trouble shoot incase of any errors

Go-Live

• Start collecting payments from customers through PG Application.
• If you have signed up and activated your account, and completed the integration and testing, then you can go-live with PG Application in production environment.