Payment Gateway

Payment gateways are crucial technologies that merchants use to accept debit and credit card transactions smoothly, whether through physical card readers in retail stores or via online payment processing portals on e-commerce platforms.

Elevate your business with our state-of-the-art Online Payment Management System (OPMS). This system offers hassle-free transactions and seamless integration, allowing you to expand your customer base and boost sales. Stay ahead of your competitors by leveraging Ottu's exceptional capability in finely tuning and connecting the payment gateway.

Ignite your business's success with our meticulously optimized OPMS, designed to meet the dynamic needs of today's thriving businesses. Discover a new era of convenience, efficiency, and growth with Ottu as your partner.

Operations Clauses

With Ottu, merchants gain the power to seamlessly carry out essential operations, including capture, refund, and void, across various payment gateways. It's important to note that specific conditions must be met to execute these operations successfully. Furthermore, it's worth mentioning that not all payment gateways support every operation. Choosing Ottu means an exceptional online payment management experience that keeps your business secure, streamlined, and successful.

Operations don't support foreign currencies. If a customer pays using a different currency than the MID (e.g., MID is KWD but payment is in USD via Ottu's currency exchange), operations won't work. They only function when the payment currency matches the MID currency.

Capture

Collecting a full or partial authorized amount and crediting it to the merchant's bank account. It’s applicable under following conditions:

1. The payment transaction must be authorized.

2. The authorized amount must be sufficient.

Refund

Returning the full or partial amount paid (or captured) to the customer's bank account. It’s applicable under following conditions:

There are different requirements for refunding payments based on the type of payment transaction (i.e., operation):

• For Auth transactions:

1. A capture operation must be done before refunding.

2. The captured amount must be enough to cover the refund amount.

• For Purchase transactions:

The paid amount must be sufficient for the requested refund.

Void

Canceling or rolling back an authorized payment transaction. It’s applicable under following conditions:

1. The payment transaction must be authorized.

2. No capture operation was performed.

Payment Gateway Features Summary

Below is a summary of key features and specifications for various payment gateways. This table provides information on the origin country, default currency, applicable modules, whether it supports redirect or wallet functionality, purchase/authorize options, auto inquiry time in minutes, and the level of operation support offered. This comparison aims to assist in evaluating different payment gateways and selecting the one that best aligns with your business needs. Please note that the information provided is subject to change, and it is advisable to review the official documentation of each payment gateway for the most up-to-date details.

To understand what the auto-inquiry feature is and why it's crucial for ensuring transaction reliability, please check Automatic Inquiry. It offers a detailed explanation of how this feature safeguards your transactions from unforeseen disruptions.