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payment terms glossary

Glossary

 
Terms
Definitions
Merchant
A merchant is effectively you, the customer.  In this information the term customer and merchant will be used interchangeably.
Purchaser
This will be your customer who purchases from you.
API 
Application Programming Interface - This will allow developers to call specific functions on our Gateway servers to perform specific tasks.  These are for corporate customers only and generally not used by most business as they are either to complex to use or their functionality is far in excess of what is required.
Pay Page
A web page that can be access over the Internet that asks the purchaser for their credit card details to purchase goods or services from the merchant.  Each Pay Page is customizable to the merchants requirements and therefore are different for each merchant.
Internet Merchant Account
IMA - This is a merchant account specifically for use for Internet transactions.
MOTO
Mail Order / Telephone Order.  Any orders taken over the telephone or via Mail Order by a merchant and processed through their Merchant Account is classed as a MOTO transaction.
3-D Secure
This is the protocol (stands for 3-domain, purchaser, merchant and bank) used for Verified By Visa and MasterCard SecureCode Transactions.
Applet
A program that runs on your computer that takes credit card details and passes them to the Total Web Solutions Payment Gateway securely for processing.
Shopping Cart/ Basket
This is a program that runs on a web server that collects information about products or services a purchaser wishes to acquire before passing them purchaser to our payment gateway.  There are literally thousands of shopping baskets out there and Total Web Solutions supports a number of these however if your shopping basket is not listed we will work with developers to integrate it into our payment gateway.
Control Panel
This is an administration tool that is available over the Internet that offers secure management of your Internet Merchant Account.
PCI
Payment Card Industry - Is a standard setup to improve security of payments using credit and debit cards.  The standard is very stringent and Total Web Solutions is accredited to the highest Level 1 standard.  For more information about the standard please visit the PCI councils' web site.