Direct XML Interface

The Payments.com.au Direct XML Interface is our most flexible solution.
It allows your programmers to control the user experience and simply pass the transaction details "behind the scenes" to Payments.com.au, and a response is returned with the result.

The Payments.com.au Direct interface implements an XML/FORM-based gateway interface. You simply send the POST/XML transaction detail to our gateway URL and we will process the transaction data received and provide you with a realtime response.

This ensures your customers never leave your website - you control the look and feel of the entire process.
All payment processing functionality is performed in the background via XML/HTTP POST in realtime, ensuring customers are notified regarding the transaction result quickly and efficiently.

From a programmatic perspective, this is as simple as sending an XML/NVP POST via SSL (HTTPS) and querying the resultant XML/NVP details to extract the transaction status and result.

Payments.com.au can also provide programming services to integrate this interface with your application/website.

Benefits

• Realtime card/funds validation and processing
• User stays on your website - no possible customer confusion or concern from redirecting to a 3rd party website
• Full control of the entire purchasing process interface - all work is done in the background
• Secure, easy and reliable
• Minimal integration requirements

Register your merchant account for this solution here

• Direct XML Interface
• PayLink Interface
• FormGenie
• Mobile Phone Payments
• Phone (IVR) Payments
• Virtual terminal
• Batch Processing

What does it cost the Merchant?

A low setup fee of only $199

The Merchant has a number of choices:

Plan A $49.95 per month, 100 free transactions then $0.45c per transaction after that

Plan B $29.95 monthly fee, 0.45 cent transactions

Plan C $19.95 monthly fee, 1% of transaction value or 0.45 cents, whichever is greater.

Are there any other charges?

When you place funds in your Payments.com.au transaction account, a 0.45 cent transaction fee applies, plus a 1.9% merchant service fee charged by the bank or a 1.9% administration charge. Payments.com.au does not profit from these charges, the cost is merely being passed on to the consumer.

Can Merchants Switch between the two Options?

Yes, the Merchant can switch at any time between payment plans - a switching fee of $49.95 applies at the time of the switch between the Options above.

The above rates are subject to change. Merchants are required to meet all bank credit card fees and account charges in the usual manner. Government charges are also applicable. Merchants are also charged the credit card collection fee deducted by the bank when their Merchant Transaction Account balance is topped up. The Merchant will also need an Internet connection to input invoices at Payments.com.au or to check Statements online and use the Merchant Admin System. An Internet site is not required. (Rates quoted include GST)