Optimal Payments
Optimal Payments
The Optimal Payments Magento extension allows ecommerce businesses to securely accept and process online payments using Optimal’s NETBANX payment gateway and services. The integration is easy to implement and provides the ultimate in payment processing capabilities, fraud management, and reporting.The Optimal Payments extension uses a Silent Post integration to the merchant’s website. During checkout, payment information is entered on the merchant website and then transmitted securely via Silent Post for processing to the NETBANX payment gateway. The customer remains on the merchant’s website at all times allowing the merchant to manage the customer experience. When the customer clicks on the Pay button, payment data is transmitted directly to NETBANX using a PCI-compliant process without accessing any merchant servers.
This integration significantly reduces PCI compliance requirements and liability as all of the credit card information is processed in Optimal Payments Level 1 PCI compliant environment and servers leaving no sensitive customer payment information stored locally on merchant servers.
Through the Optimal integration merchants also have the option to enable Threatmetrix fraud detection and management services. ThreatMetrix works by collecting relevant data about the customer and the order, and validating this information during the checkout. Fully integrated into the NETBANX payment gateway, enabling the ThreatMetrix option will allow merchants to automatically hold and flag suspicious orders, drastically reducing any fraud occurrences. Depending on the Score returned by ThreatMetrix an order can be held and flagged or altogether denied during the checkout.
