Gateway Services
A payment gateway bridges the gap between Merchants and Acquirers.
- Allow least-cost acquiring via dynamic acquirer selection
- Hosted Payment Fields mean merchants control the look & feel of payments
- Work with Open Banking for increased speed and security
- Seamlessly integrate with Encoded’s entire suite of payment products for an improved customer experience
- Dev Friendly API for easy implementation and happy developers
What is a payment gateway?
A Gateway is the bridge between merchants, acquirers and banks, whatever the payment channel.
The faster this process happens the quicker the payment can be approved by the card holder’s bank and settlement is confirmed. Using Encoded’s Gateway in association with its other card payment solutions leads to reduced transaction costs and greater security.
Why Encoded?
Encoded is a Level 1 PCI DSS accredited supplier – which means that contact centres and their customers can rely on Encoded’s technology with absolute confidence.
Using Gateway Services you can also protect your customers and ensure adherence to the Payment Services Directive (PSD2) and Strong Customer Authentication (SCA) regulations with EMV 3-D Secure (3DS2) functionality out-of-the-box.
Above all Encoded Gateway does something other Gateways don’t – it leaves developers and merchants in control of the look and feel of their e-commerce pages by using Hosted Payment Fields. Which means when you want to make a change you are in control and are not required to revert back to Encoded.
What are the Key Features of a Payment Gateway?
PSP solutions and Payment Gateway from a single partner
A feature rich, single and simple to use Application Programming Interface (API)
Integrates with dozens of Acquirers and Payment Gateways
Converged commerce – online, in-app, MOTO and Open Banking via one system
EMV 3-D Secure (3DS2) functionality out-of-the-box
Hosted Payment Fields for freedom in terms of branding and style while remaining PCI DSS Compliant
Secure token vault for safely storing card data
A single, centralised portal for management and reporting
Includes Encoded’s Patent Pending Fraud Protection Platform
- Dynamic acquirer selection for least-cost routing and acquiring to save money
- Hosted Payment Fields save time and confusion as developers retain control of the look & feel of e-commerce pages
- Reduces and eliminates PCI DSS scope to improve security and reduce the cost of compliance
- Faster settlement and reduced transaction costs through a single provider for improved cashflow
- Seamless integration with Encoded’s entire suite of payment solutions for reduced cost and improved customer experience (CX)
Frequently Asked Questions
What is a Payment Gateway?
What does Least-cost Acquiring mean?
What are Hosted Payment Fields?
What does Developer Friendly API mean?
What is a token vault?
What is a Fraud Protection Platform?
When PPF is combined with Encoded’s Agent Assisted Payments solution, instead of notifying the customer that a transaction has been declined, an agent can simply advise them that an additional level of validation is required. Different organisations can choose from a number of options to validate the customer’s information, providing an extra layer of payment security.
What is Open Banking?
Need help?
Payment solutions for contact centres
Our suite of payment solutions for contact centres include Gateway Services, IVR, Agent Assisted Payments with Fraud Prevention Platform, eCommerce Payments and SMS PayByLink.
IVR Payments
Interactive Voice Response Payments (IVR Payments) is a method that allows callers to enter their card data via touch tones. This self-service process enables debit and credit card payments to be handled 24/7.
PayByLink
Agent Assisted Payments
eCommerce Payments
Gateway Services
Download our guides
Secure Contact Centre Payments brochure
What our customers say about us
“We needed to offer our members both fast and secure Payment Card Industry Data, Security Standard (PCI DSS) compliant payment methods and advanced e-commerce capabilities using automated technology. Encoded had done their homework and cared about our members and our business, even suggesting additional creative ways to use Encoded technology. From the outset, it was clear they were exploring new ideas to help us work even smarter.”
Karen Coates, Chief Operations Officer, The Wine Society
“We handle hundreds of thousands of calls every year that demand a broad knowledge of financial and legal matters as well as general property maintenance issues. Encoded presented a sound proposal that promised to deliver round-the-clock efficiencies in a cost effective package. The final overall approach and sophisticated IVR technology proved to be the perfect answer to our business problems.”
Tracey McCabe, Head of Customer Service, First Port Property Management
“We decided to refresh the online experience in response to customer demand and changes in the industry. It was a moment of clarity – Encoded was already handling our secure payments with data being fed into our billing system. We needed to create a front-end link so that customers could access this information themselves, rather than relying on speaking to an agent every time they wanted to make a payment or a change to their account details.”
Business Optimisation Manager,
Severn Trent Water
“One of the key reasons for choosing Encoded was to improve the team’s experience of managing large scale migrations from legacy payment systems. With Encoded’s in-depth knowledge of data security, PCI DSS compliance and the latest payment regulations, JT had confidence that the integration would be carried out within the project timescales and to budget.”
Tim Peach, Finance Operations Manager, Jersey Telecom
“From the outset, it was evident that Encoded grasped our requirements for an easy to deploy, fully transparent solution that could integrate seamlessly with our own IT systems. What is more, Encoded offered us a solid and highly scalable platform that promised to drive efficiencies whilst delivering the personal touch to those callers who needed it most.”
Collections and Recovery Department, One Savings Bank
“Along with the simplicity and highly configurable nature of Encoded’s solution, we were impressed by everyone’s professional, can-do attitude backed up by excellent support. Encoded offered a truly scalable solution that could grow with our business. In particular we trusted Encoded to support new ventures such as flexecash® which has already been adopted by a number of high street retailers.”
June Potts, Head of Customer Contact, Park Group
“Tens of thousands of calls relating to payment and meter reads are handled by sophisticated technology provided by Encoded. Encoded’s solutions have supported our business from day one, having been selected from a shortlist of four vendors for its ease of use, speedy implementation and cost-efficiency.”
Shell Energy
“Today, around 10% of all our sales are made using credit or debit card transactions. Our job is to make it easy for customers to pay for services swiftly and securely. Encoded listened carefully to our requirements, made sensible recommendations along the way and even adapted the technology to suit us. The whole experience ran smoothly and we were impressed by their level of knowledge and understanding of our business.”
Peter Doyle, Risk Manager,
Health-on-line
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Speak to the team
To discover how our secure payment solutions can free up your contact centre agents' time allowing them to focus on customer service, more complex enquiries and revenue-generating activities.