New payment service now works with Linux
South African payment gateway service, MyGate, have developed a service that allows e-commerce merchants running Linux to access credit card security services that were developed for Windows platforms.
MasterCard SecureCode and Visa 3D Secure offer e-commerce merchants a solution to reduce the risk of credit card fraud. Both require software to be installed on their operating systems so that the card holder can be be prompted for a pin from the bank. The problem with this, for the Linux user, is that the software is developed to support windows based operating systems.
David Viljoen, IT director of MyGate, explained that although the software can be made to work on certain flavours of Linux, this usually requires that software is developed to integrate the system.
"Why should the merchant struggle with this?" he said, explaining the rationale behind MyGate’s new solution.
Marc Seymour, managing director of iGroup, said "All of our ecommerce clients utilise our Linux servers to host their shopping cart and payment page as there is a direct cost benefit. Additionally, hosting their own payment page gives them further functionality with features such as last minute ordering and customised design."
However, MyGate emphasised the fact that the benefits of complete control of the payment page do not outweigh the risk of not having a secure transaction, as this puts them at risk of having a chargeback.
Seymour added "We have been struggling to find a 3D Secure and MasterCard SecureCode application that can be installed on our servers to facilitate our requirements, leaving us with no option but to utilise the payment gateways payment page which can often be restricting for the type of services we offer."
Viljoen said "Working with software suppliers for these types of solutions has been difficult and often frustrating. In order to get around this we had to develop the ability for a merchant-hosted payment page to be able to post through transaction details directly."
Merchants are able to then access the 3D Secure and SecureCode software on the MyGate servers, which are Windows based. "This eliminates the need for the merchant to install the application on any one of the variety of Linux platforms out there," Viljoen concluded.