AIRPAY PAYMENT SERVICES

CONTENTS

About airpay Payment Services Pvt. Ltd ............................................................................................... 2

airpay Product Portfolio .............................................................................................................................. 2
Internet Payment Gateway & Net Banking Solution ........................................................................ 3
airpay PoS Solution ....................................................................................................................................... 4
QR Acceptance ................................................................................................................................................. 5
Solutions developed by airpay .................................................................................................................. 6
USPs of airpay’s Payment Solution.......................................................................................................... 7

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ABOUT AIRPAY PAYMENT SERVICES PVT. LTD
airpay as an organization intends to offer quality transaction processing solutions to the
partner banks and merchants and works to improve the overall user experience by
several times. Optimal user experience coupled with world class security checks will be
the key focus areas in the airpay’s evolution road map.
airpay is managed by very talented and motivated pool of professionals with diversified
business experiences. This team intends to leverage on the extensive amount of expertise
gathered painstakingly over a decade into optimizing and deploying digital payment
solutions.
We intend to have a razor-sharp focus on developing and delivering cutting edge
transaction processing solutions for our clientele and we strive to ensure that our
partners not only participate in the transaction processing revolution but also reap rich
tangible and intangible benefits by leveraging on our delivery expertise.

AIRPAY PRODUCT PORTFOLIO

airpay has developed a suite of cutting edge payment processing solutions focusing on
both Card Present (CP) and Card-not-present (CNP) transactions sets and developed the
below mentioned transaction processing solutions with intent to position itself as a one-
stop-shop transaction processing partner for the partner merchants:

Single platform for multiple payment methods (fully integrated module)

• Internet payment gateway
• Net Banking
• POS
These payment methods allow customers to transact by choosing a payment instrument
of their choice from over 100+ options.

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INTERNET PAYMENT GATEWAY & NET BANKING SOLUTION

airpay has developed a dynamic and versatile payment gateway & net banking platform
for enabling the merchants to accept credit/debit cards & internet banking payments
over his website, mobile site and mobile application in a seamless manner.

airpay’s Internet Payment Gateway and Net Banking Platform gateway is a completely
secure and agile payment processing platform with which a merchant can seamlessly
integrate his website for online payment collections and empowers the end customer to
initiate payment transactions using the below mentioned payment instruments:
• Visa/Master/Amex/RuPay/Diners
• Credit/Debit/Pre-paid Cards
• Digital wallets

USPS OF AIRPAY PAYMENT GATEWAY

• Web/mobile based transaction reporting console for the merchant enables a
real-time view of the transaction details
• Tightly couples with merchant’s CRM/ERP system
• Updates merchant ERP/legacy systems on a real-time basis
• PCIDSS security standards compliant
• Allows users to use a variety of payment instruments of their own choice
• Compliant with PCIDSS security standards

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AIRPAY POS SOLUTION

airpay’s Point of Sale Solution is a completely secure and a sturdy payment processing
platform based on card present point of Sale Technology. airpay’s Point of Sale facilitates
an automated acceptance of payments through the below mentioned payment
instruments:
• Amex/Visa/Master/RuPay/Diners
• Credit/debit/prepaid Cards
• Digital wallets
• Bharat QR
• UPI Payments
• Aadhaar Enabled Payments

airpay PoS Solution complies with the PCIDSS (Payment Card Industry Data Security
Standard) data security standards. The terminals are PCI PED (Pin Entry Device) and EMV
Level 2 certified, thus compiling with the global security standards.

airpay PoS will be integrated with the Bank’s switch on a real-time basis because of which
the validation and authorization would be a real-time phenomenon and the transactional
details shall be exchanged over secure links. More over airpay with integrate with the PoS
ecosystem with the CRM system of the merchant and update the same on a real-time basis
over secure HTTPS based communication channels.

airpay will also provide the merchant with a real-time web based transaction reporting
console enabling the merchant to view the transaction details on a real-time basis.

USP’S OF THE AIRPAY POS

• Accepts credit/debit cards, contactless cards, UPI, Bharat QR, digital wallets,
etc.
• Optimal Platform Uptime Matrices
• Aadhaar enablement possible with biometric device connected to USB
• PoS Platform integrated with an efficient RMS system
• Load Balancing and Interface Switching Capabilities
• Unified MIS and transaction reporting with segregated data reporting
functionality
• Ready to use integration kits, with the Merchant’s CRM / ERP System
• PCIDSS, PCI PED and EMV Level 2 compliant
• Quickest TAT
• 24X7X365 Email & Telephonic Support

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PAX D 200 GPRS Devices
Salient features of Pax d200 Card Reader are as mentioned below:
• High Reliability & Exceptional Performance
• Innovative touch-press key design
• Stylishly designed for comfort and convenience
• 2.4-inch color screen and user-friendly interface to interact with customers
• Contactless card reader supports NFC Large memory capacity
• Low battery consumption

QR ACCEPTANCE
QR (Quick Response) code acceptance, also commonly referred to as digital POS, is the
fastest and most efficient way to collect digital payments. It requires no infrastructure
investment for the merchant, customer or the bank and the process of collecting
payments can begin within minutes of registering for a QR code. It only requires a display
of the merchant QR code in print, on computer screen or on mobile device.
Steps for real-Time activation of QR code payments:
1. Open the bank website & go to the QR section
2. Enter your Bank Customer ID/Current Account Number
3. Airpay will validate the account details with the bank’s system
4. Enter your business details to complete basic registration
5. Once your KYC/registration is successful, you can start accepting payments
immediately
6. Once customer scans the QR Code or clicks on the SMS link. He will see the name
of your establishment on the page. He can enter the amount he wants to pay you
and his own mobile number
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 7. The customer will then be taken to a payment page where he can choose which
digital currencies he wants to pay the merchant with – Credit/Debit cards, Net
Banking, Cash Cards, Digital Wallets, IMPS, UPI, etc.
8. Once the payment is complete, merchant & customer will get a payment
confirmation message
9. All the money collected will be credited in the merchant’s current account with
the bank within T+2 working days
USP’S OF THE QR CODE ACCEPTANCE
1. No physical infrastructure required
2. No set-up or AMC cost for the bank or merchant
3. Instant set-up and activation
4. Customer does not have to carry cards, needs only his smartphone
5. Multiple payment instrument options like wallets, cards, UPI, etc.

SOLUTIONS DEVELOPED BY AIRPAY

airpay has developed certain in-house solutions to real world problems. These solutions
are provided by airpay absolutely free of cost, with no setup or annual maintenance
charges.
SCHOOLPAY (EDUCATION)
Schoolpay is an end-to-end platform that helps parents & institutes transact seamlessly
with the highest security standards using over 100+ payment instruments. It offers
schools an integrated admission management platform that reduces human intervention
and errors in the admission process.
HOTELPAY (HOSPITALITY)
Hotelpay is an end to end platform that works with the hotels internet booking engine,
property management system, call centre supports solutions and SAP, offering an
integrated transaction ecosystem. This allows the hotel to effectively manage inventory
& billings using over 100 payment instruments.
SOCIETYPAY (HOUSING SOCIETIES)
The Societypay platform facilitates housing societies to transparently and efficiently
collect maintenance charges, parking fees & other charges that the residents need to pay.
Residents can pay these through effective omni-channel options like internet banking or
PoS machine.
INVOICEPAY (FMCG, RETAIL & BFSI)
Invoicepay helps our clients in the FMCG, retail & BFSI sectors manage their cash-flows
by making invoice payments and receipt hassle-free.
NOWPAY (INSTANT PAYMENT FOR EVERYONE)
Nowpay is a single pager website that allows any person/business to collect a payment
online. It is the easiest way for a business to start an online payment option.

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PARTNERPAY (B2B PAYMENTS)
Manage all your supplier payments without any hassle with the Partnerpay platform. this
allows you to pay your supplier or vendor by seamlessly plugging into your ERP solution.
PUSH & PULL PAYMENTS
You can send out SMS/Emails of dues to be collected by you to your clients. The
SMS/Email contains an embedded link in it with the details pre-fed into it, thereby
improving your conversion rate.

USPS OF AIRPAY’S PAYMENT SOLUTION

airpay’s Online Payment Acceptance Engine aggregates the below mentioned features
and functionalities:

Best-in-Class Platform Security

airpay is compliant with the PCIDSS Data security guidelines. The online Payment
Acceptance Engine supports 256 BIT AES (Advanced Encryption Standard) to facilitate
cryptographic encryption and secure transmission of electronic data.

The transactional data generated from the merchant’s website is encrypted and
transmitted over P2P HTTPS links which further augments the security. The security
associated with the airpay’s Online Payment Acceptance Engine is further augmented by
the usage of top rated hardware firewalls and intrusion detection systems.

Multi-Vendor Internet bandwidth

airpay has plug-in internet connections from multiple service providers to mitigate the
risks associated with bandwidth fluctuation and connectivity loss.

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Real-Time DR Set-up
A real-time Disaster Recovery infrastructure drastically mitigates the possibilities of
generation of ‘Denial of Service’ instances.

Risk Management & Mitigation Engine

The Online Payment Acceptance Engine is integrated with a strong and configurable Risk
management & Risk Mitigation Engine. The RMS Engine selectively allows / disallows the
processing of the transactions on the merchant’s MID / TID as per the RMS rules
configured against a MID / TID combination.

Web Based Transaction Reporting Interface

Our web based transaction reporting interface captures and reports the details of all the
transactions for the enrolled merchants. The transaction reporting tool provides the
below mentioned details associated with the transactions:

• Mode of Transaction (Payment Gateway / Net Banking)

• Transaction Type (AUTH, Pre AUTH, Failed & Settled)
• Authorization Status
• Card Number (Only first 4 and last 4 digits of the card number)
• Bank Txn ID
• airpay Txn ID
• RRN Number (Unique Number Generated by the Bank)
• AUTH Code (Unique Number Generated by the Bank)
• Date and Time stamp
• Merchant Transaction ID
• Transaction Amount
• Currency
• Customer Details (If captured by the merchant)

Ready API Suite Enabling Seamless Integration (Online)

airpay provides a suite of pre-designed API’s across the below mentioned platforms to
facilitate seamless integration with the merchant’s website:

• Active Server Pages (ASP)

• Java Server Page (JSP)
• PHP
• .Net

Seamless Integration with popular Shopping Carts

The Online Payment Acceptance Engine of airpay is integrated with majority of the
shopping carts offering their services in the Indian and overseas markets.

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Built-in module for Social Media Integration
The online payment acceptance engine of airpay is pre-integrated with the popular social
media engines enabling the merchant to publicize and promote their E-tailing
transactions on popular social media engines.

Dynamic Payment Gateway Switching

airpay’s online payment acceptance Engine is integrated with the ‘Dynamic Payment
Gateway Switching’ functionality enabling the merchants to dynamically switch and
toggle between multiple Acquiring Bank PG interfaces. In addition to drastic reduction in
the platform downtime instances this functionality also enables the merchants to enable
‘ON-US’ transactions and reap tangible benefits in terms of the MSF/MDR fees paid to the
acquiring Banks.

Seamless Integration with Existing Legacy Systems

airpay’s online payment acceptance engine is equipped with robust platform components
to facilitate seamless integration with the merchant’s existing open source or tailor-made
legacy systems.

Built-in Loyalty Management Engine

A full-blown loyalty management engine enables the merchant to roll-out loyalty
programs without requiring to tie-up with third party Loyalty Management Engines

Pre-Integration with Point of Sale Platform

In addition to catering to the online transactions airpay’s transaction processing engine
comes pre-integrated with a Point of Sale (PoS) ecosystem enabling the merchants to
accept and process ‘Card Present’ transactions originating at the time of product delivery.

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