cGate® Payment Processing Platform

Our processing platform is a feature-rich payment system called cGate®. Ideal for merchants with medium to high capacity transaction processing, cGate® is a high-speed and secure, platform-independent internet payment gateway.

cGate® Secure:

cGate® Secure is a suite of products developed by our technical gurus to facilitate secure, on-line, real-time credit card transaction processing from anywhere on the Internet.

The cGate® Secure suite of products is designed to transmit all transaction data safely and securely over the Internet. All data exchanged between the cGate® Secure “client” solutions on the merchant server and our servers is encrypted.

In addition to SSL security, a hash signature is required with each transaction. The SHA1 hash is a security feature that enables both you, the merchant, and us to identify that the transaction results are from an authorized source, and to verify the integrity of the data received in a transaction request. 

To see a diagram that shows the typical flow of an FAC credit card transaction, please click here.

System administration:

Our team provides merchants with a secure browser-based interface for accessing reports, system inquiries and other administrative functions. Each merchant will assign a person at their site to be the system administrator. This person will be issued with a unique user id and password which they will use to log into the system. The administration system allows the merchant administrator to set other users up for access to the system as required.

Processing methods:

We provide a variety of processing methods including real-time, batch and MOTO. Our processing methods can process sales, authorizations only, captures and refunds/reversals transaction types.

In addition, the real-time method means merchants have the option (subject to the acquiring bank being able to do so) of using 3-D Secure™ for chargeback liability shift on certain reason codes.

cGate Secure® - real-time:

REAL-TIME transaction processing is the preferred method for most of our merchants as it provides instantaneous approved/declined responses to all transactions.  It also allows up-to-the-minute reporting on all transactions processed through our payment gateway.

cGate Secure® real-time interface options:

SOAP: We provide an easy-to-use web service to process all transaction types available through our payment gateway.

HTTPS POST:  This option requires no software from us. To process a transaction, the merchant sends a HTTPS POST request with the required fields, to our payment gateway.

Java:  Similar to the Windows component, the Java solution connects the merchant’s server directly to our payment gateway server. The interface has been tested successfully on Java 1.3.1 & 1.4 & 1.5 (an API is available for both HTTPS POST and SOAP protocols).

ActiveX:  A COM component written in Visual Basic that "snaps into' most web servers that are supported on the Windows platform. This component can be used by most ActiveX scripting and programming languages.

cGate® Secure Batch: The cGate® Secure Batch solution allows transactions to be captured in your system and then submitted as a batch file using our secure interface at your convenience, once a week, or several times a day. This solution can also be used in addition to one of our other solutions for recurring billings or any other offline needs.

MOTO – Manual transaction entry: Merchants can also use the MOTO function within our administration system to manually submit orders received via telephone or e-mail. Each user is provided with a unique login and password to conduct administrative tasks such as refunds, reversals, producing reports and viewing transaction and batch history.

cGate® Secure Verify: Our cGate® Secure Verify solution allows merchants to process 3-D Secure™ transactions though Verified by VISA and MasterCard SecureCode™. This technology was designed by the Card Associations to provide merchants and acquirers protection from fraudulent transactions, chargebacks and unauthorized payments made on an eCommerce site. 

Additional features:

CVV2/CVC2 and AVS authentication:

CVV2/CVC2 (Cardholder Verification Value - Card Verification Code) and AVS (Address Verification Service) are two additional security checks that can be executed at the transaction level for North American cardholders.

AVS was developed as a risk management tool for Visa and MasterCard® “card not present” transactions, generally mail and telephone orders. AVS helps reduce the risk of accepting fraudulent transactions by verifying the card holders billing address with their credit card issuer.

CVV2/CVC2 is an additional authentication scheme established by the Card Associations to further reduce fraud for Internet transactions. It requires the cardholder to enter the 3 or 4 digit code on the back of their card at the time of the transaction to verify the card is present.

IP Geolocation

Our IP Geolocation service, known as cGate® Locate, provides merchants with the ability to evaluate the risk of an eCommerce transaction based on the geography of the customer, enabling merchants to view the customer's location, identified by country, state (or province, region etc.) and city.