Thursday, July 26, 2018

Safety Tips to Follow While Doing Online Transactions


The Internet era has given a boost to online shopping and banking which has ultimately led to online fraud and identity theft. Online transactions always carry some risk, but consumers can incorporate many things to increase their security on the web. If you take just the right precautions, you can avoid these threats easily. Here are 7 tips for safe online transactions.

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1.     Install latest security software – It is always a good idea to install good antivirus software in your system as the World Wide Web is full of malware, spam and spyware. And as the old adage says ‘Prevention is better than cure’ and the same is true for all online transactions.

2.     Use password which are hard to crack – Majority of the people use common passwords for a number of transactions including sensitive transactions like net banking and credit cards for the convenience of recollecting which ultimately pose a threat to their password security. Ensure to use alpha numeric passwords for all different transactions.

3.     Don’t Use public Wi-Fi connection while doing online transaction – Always make sure to use your own personal computers, mobile phones to make any kind of transaction. Also, ensure that you always connect to the internet using a secured Wi-Fi connection which is password protected. Doing financial transactions over a public Wi-Fi connection is highly unsafe and not recommended.


4.     Don’t Respond to emails asking about your details – Any promotional mails asking for your bank details should be ignored and reported as spam. Remember that your bank will never ask for your bank credentials.

5.     Don’t Respond to emails offering you discounts – You might be getting a lot of promotional mails from retail companies. But while utilizing such offers, it is always recommended to go directly to the seller’s site rather than entering details in the coupon link, which is usually sent by third parties.

6.     Check website’s SSL certificate – A lot of small vendors do not incorporate security mechanisms which may compromise your security. So, it’s always advisable to make online transactions on websites that begin with “https”. Do not trust websites that begin with “http”, this means that the website isn’t using proper encryption.

7.     Online shopping tips – Always log out of your bank and merchant sites after completing your online transaction. Never save financial passwords on your computer.

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atom technologies is compliant with Payment Card Industry Data Security Standards (PCI-DSS V-3.2) to ensure that your transaction data is 100% safe.
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Tuesday, July 17, 2018

What is Payment Gateway | Evolution and Benefits of Payment Gateway


The concept of payment gateway refers to the technology that contributes to the management tasks of a commercial establishment for sale to the public. In reality it is a service that automates the payment operation between the client and the seller, through a system of computer processes that verifies or rejects online payment operations on behalf of the merchant through secure Internet connections.

What is payment gateway? 



Payment Gateway India


A payment gateway is a merchant service provided by an e-commerce application service provider that authorizes online payments for e-businesses, online retailers etc. It facilitates a payment transaction by the transfer of information between a payment portal (such as a website, mobile phone or interactive voice response service) and the front end processor or acquiring bank.

Origin and Evolution of Online Payment Gateway


In 1991, Sir Tim Berners Lee, an English computer guru and scientist, opened up the first World Wide Web server used for commercial purposes.

The creation of the web, plus the creation of different technological innovations, led to the opening of Pizza Hut’s online shop in 1994. As a result, it claims to hold the title of the company providing the ‘first-ever online purchase’.

Online Payment Gateway India



Seeing that people would be using the internet to regularly make online financial transactions, Netscape Communications created a way to ensure that shopping systems, online banking and online retailers were able to offer their clients encryption through their internet browser’s Secure Sockets Layer (SSL) to ensure secure data transfers.


The most common payment methods for online transactions, which are all protected by SSL, are made through cash-on-delivery (COD), cheque or check payments, wire transfers, gift cards billing charged to landlines or mobile phones, debit card, postal money order, electronic money, credit card or PayPal. 


Over the years, the industry leaders in internet business transactions have worked together to create a complex system for ensuring online payment gateway security. This system guarantees that consumers receive the goods for which they pay, and ensures that confidential information, such as transactions and account numbers, remain safe and secure.

E-commerce, with the integration of the internet, supports technologies that improve electronic data interchanges, mobile technology, online transaction processing, automated data collection, electronic funds transfers, internet marketing, inventory management systems, and supply chain management. These technologies have vastly changed the way that businesses run. One large way in which businesses have adapted is by improving and implementing online payment security systems.

Why Business should start accepting Online Payments?

Whether your business is just starting out or you’ve been around for a while, you should be accepting online payment in today’s digital world. If you are still on the fence, here are 9 important reasons why you should accept online payments, a fast, convenient, and popular form of payment.

1. Accepting payments from anywhere means more sales.

2. Payment convenience delights customers

3. Online payment acceptance decreases the time spent on billing.

4. It is the most universal system, used all over the world and to which Internet users have become accustomed.

5. Today we buy more and more online because we rely more on the system, which has been favorably evolving, making it efficient, safe, simple and reliable.

6. It prevents bounced checks

7. It reduces employee theft

8. You’ll Increase your cash flow

9. It’s easier and cheaper than ever before


Read more-
How Online Payment Gateway Works