Online Payment Gateway

Accelerate your business with atom’s seamless payment gateway service

Overview

atom’s online payment gateway platform offers you various solutions for processing transactions. Our Payment Gateway is integrated with 50+ banks and 256+ payment options offering transaction through all major Credit Cards, Debit Cards, IMPS etc. Its robust set of capabilities is devised to aid both start-ups and the longest running businesses to grow revenue, alleviate risk and safeguard customer’s data. Our bulletproof online security backed with PCI DSS version 3.2 and 256-bit encryption ensures safe transaction.

265+ payment options

Your customers can pay through numerous payments options like 10+ Credit Cards, 45+ Net Banking, 100+ Debit Cards, Bharat QR, 10+ wallets, IMPS, ATM Cards with Pin, Challan, UPI, NEFT/RTGS.

Highest security encryption

atom’s bulletproof online security backed with PCI DSS version 3.2 and 256-bit encryption ensures safe transaction.

Express Checkout

Express checkout allows registered customers to securely store the card number and expiry date so as to avoid entering the same for every transaction. Through this facility customer will be able to complete the subsequent transactions by selecting the saved card and entering the CVV number.

Retry Option

In the event of transaction failure due to reasons such as time out or connectivity issues, customers are usually required to re-enter all the transaction and instrument details making it a cumbersome process. Paynetz’s retry option is a feature where the customer is given the option to retry instead of filing the details all over again.

Invoice Payment

A customize page will be sent along with payment link to customer on his/her registered email id. Customer can complete the payment and will receive payment confirmation on his/her email. Merchant can run mass mailer campaign to his customers with certain attractive scheme along with payment.

Dynamic Routing

We provide multiple gateways to merchants to ensure uninterrupted transaction flow i.e. if any of the gateway is not functioning because of bank server, the transaction will automatically route to an active gateway.

Standing Instructions

Standing Instruction (SI) is a service by which the merchant can pull money from the credit card on periodic basis. This module works well for industries where there is recurring payment collection e.g., Utility, Insurance etc.

Multibank EMI

atom provides multi bank credit card EMI which gives your customer the ease of payment in instalments and also empowers merchants to sell higher value products. It is available across 10+ credit cards and is the ultimate mid-way to balance your customers budget.

265+ payment options are available

Debit/Credit Cards

Accept payments from all major credit and debit card networks like Visa, MasterCard, American Express and RuPay.

Net Banking

Banks including SBI, ICICI Bank, HDFC Bank, Axis Bank, Kotak Bank, Yes Bank etc. can be used for online transactions. The bank page opens in a pop-up window so your customers can easily come back to your website.

UPI

Unified Payment Interface is system that powers multiple bank accounts into a single application, merging several bank features, seamless fund routing and merchant payments into one hood.

Challan

Challan is a payment mode to make online transactions and then paying for it offline at a branch. Customer can make payment at any Bank Branch pan India saving time and money.

NEFT/RTGS

This electronic fund transfer system allows the money sent by the remitter to immediately reach the payee/beneficiary as and when the money transfer transaction is initiated.

ePayLater

ePayLater option offers short term credit to buy product/services hassle free. The buyer can pay for the product/services purchased at later period as per convenience.

EMI

atom provides multi bank credit card EMI which gives your customer the ease of payment in instalments and also empowers merchants to sell higher value products.

Bharat QR

Customers simply need to scan the QR code and enter the transaction amount. The amount gets transferred directly from the customer’s bank account to the merchant’s bank account.

Wallet

Paynetz gives your customers freedom to pay with their favorite digital wallet. Atom gives you 10+ wallet options.

Google Pay

Using Google Pay, users can also send or receive payments instantly to anyone nearby without needing to share personal details, like bank account information or even phone numbers.

PayPal

Transfer money online in seconds with PayPal money transfer. All you need is an email address.

Link Based

Easy to use, link based payments allow merchants to request payments by generating and sending payment links to their customers over WhatsApp or SMS.

Merchant Console

Scale faster with intelligent data

atom provides a Merchant Admin Console which helps the merchant to monitor transaction online on real time basis. With customizable design and layout, you can access the console anytime, anywhere. Our intelligent tools help you boost conversions and capture more revenue.

Features & Benefits

Single web reporting interface for credit card, debit card & Net Banking transactions
Merchant/admin user can create multiple sub users to access merchant admin console and assign selected rights to the sub users
Option to raise Invoice for the customer to collect online payments along with Bulk upload invoice payment facility
Merchant can view settlement report, transaction history and download the same in excel format
In settings option, merchant can view profile, edit return URL, change transaction password and change login account password
Manage your transactions, refunds, disputes and settlements from one single dashboard.

How Payment Gateway Works?

Collection

Customer purchases a product from your website.
They can press the ‘Pay Now’ button which will redirect them to online payment gateway.
Customer needs to select from various payment options available

Payment Gateway verification and authorization

Verification & Authorization

Customer now enters the required details for verification
Following verification and authorization, payment gateway notifies you that the payment has been approved and you can deliver the ordered products or services.

Settlement

The amount will be credited in two working days

Benefits of Using atom Payment Gateway

Secure Processing

Our bulletproof online security backed with PCI DSS version 3.2 and 256-bit encryption ensures safe and reliable transaction.

Easy Payments Settlements

The amount is easily deducted from the customer’s account and credited to the merchants account in two working days.

Multi-Currency Payment System

atom’s multi-currency processing system enables merchants to give their customers a localized buying experience with 265+ payment options including Rupay, Amex etc.

Integrates with all alternative channels

Easy to use payment gateway integration kits for website & mobile app for more than 25 platforms.