What is Orbital Payment Gateway?
Orbital Payment Gateway is a payment gateway software solution that enables merchants to accept credit card payments through an e-commerce website. Orbital is the proprietary gateway of Chase Paymentech, which is the payment processing division of JP Morgan Chase, one of the oldest and best-known financial institutions in the US. The program supports a wide range of credit and debit cards, including Visa, Mastercard, American Express, Discover and Network.
The solution has been designed to work with any type of businesses, ranging from companies with basic online storefronts, to multi-national organisations with very complex e-commerce functionality. However, Orbital only works with Chase Paymentech, which means that merchants who are already working with another payment processor will first have to set up a merchant account with Paymentech to use the program. It supports over 130 currencies but the gateway is currently available only for merchants operating in the United States and Canada.
The application offers a wide range of features including hosted payment pages, billing management, customer profile management, an account updater, and flexible integrations.
The gateway offers powerful fraud prevention features including real-time order comparisons, transaction risk scoring and geolocation. In addition, its proprietary Safetech encryption encodes data as soon as it is entered in a POS (Point-of-Sale) system, whilst data in transit and at rest is protected by tokenisation.
The main benefit of this payment gateway are:
Orbital offers merchants the choice to opt for hosted payments whereby, both for reasons of simplicity and security, customer payment data is never received or stored on a company’s local server. Instead, customer information is entered directly into Orbital secure servers, and they assume all responsibility for data security and protection. Furthermore, knowing that a venerable financial institution like Chase is protecting their data gives customers more comfort when it comes to making online transactions than they would feel if the merchant was responsible for it.
To ensure seamless brand matching, all pages can be tailored and customised to match the look and feel of a merchant’s website.
The application offers users the ability to accept orders through their website, phone or mail, and store essential payment and credit card details on its virtual terminal. There is no need for hardware or dedicated phone lines, and no associated maintenance fees. The information is processed and protected through a secure web browser.
Orbital’s Virtual Terminals can be accessed anytime and from anywhere with any internet-enabled device.
Advanced Fraud Protection
The payment gateway offers advanced fraud protection features including tokenisation of data and offsite storage of tokens, real-time transaction comparisons, risk scoring, geolocation controls, and address verification. Data is encrypted as soon as it is entered into a POS system, rather than later in the transaction process.
Orbital Payment Gateway offers integrations with multiple online storefront, e-commerce and payment platforms, including programs such as Magento, WooCommerce, and Streedly. In addition, through its API developers are able to integrate the platform with their existing business systems and applications.
Orbital offers a wide range of customisable real-time reports, including daily transactions, sales trends, settlement overviews, and more. Users have the option to generate charts or graphs to aid understanding and the sharing of key information. They have the option to customise which data they review, and can access them from a host of mobile devices, as well as through their web browser.
Key Features of Orbital Payment Gateway are:
Hosted Payment Pages
Orbital offers hosted payment pages for merchants for reasons of both security and a simple checkout experience. With a hosted payment page information is passed from a merchant’s website to a payment page which is securely hosted by Chase Paymentech. Chase handle all the security of the transactions, making customers feel safer that a major financial institution is handling this, whilst relieving the merchant of the responsibility. Hosted pages can also be customised to match the look and feel of a merchant’s existing website.
Payment information is entered by customers through the hosted payment page directly to Orbital secure servers, which means that businesses never have to receive or store data themselves. Hosted payment options, for reasons of security and ease of use, are a popular choice with many SMBs (small to medium-sized businesses).
Customer Profile Management
Storing customer credit card data on local servers is a security risk that Orbital mitigates with tokenisation. This replaces sensitive data – such as credit card numbers – with identification symbols that still retain the essential information contained in data. For additional security, Orbital stores tokens offsite, but merchants can retrieve the information at any time. They can also control which of their employees can access customer data, and how.
Orbital features a Virtual Terminal – a web-based application that offers the basic functionality and processing capacity of a physical POS terminal and more. It provides secure and reliable transaction processing within an integrated environment. Using the virtual terminal eliminates the need for dedicated phone lines, specialist hardware, and costly maintenance fees.
It supports a wide range of payment types and methods, and enables merchants to accept telephone or mail orders, or through their website, and then, by logging on to their virtual terminal, they are able to initiate card authorisations, refunds, settlements and more.
The facility enables merchants to manage all data related to payments, including split shipments, back orders and reversals, and they can also view an extensive transaction history.
The program allows users to the Virtual Terminal to reconcile transactions; it splits data which has passed through the Orbital Payment Gateway into two screens; one shows transactions sent for settlement, the other those still pending. Any transaction that a merchant does not want to go through can be voided.
The tool allows for different levels of system access to be assigned to individual users, and also provides for various functional and administrative aspects, including the ability to run transactions by logging-in from any computer, and multi-merchant access.
Managed Billing is an additional module which is offered through Orbital’s Virtual Terminal, in order to manage recurrent payments from customers. It enables merchants to automate the billing process removing the necessity of having to notify customers that invoices are due for payment, or having to chase arrears. Customer account data can also be accessed through the virtual terminal.
Fraud Prevention Capabilities
The payment gateway uses Chase Paymentech’s proprietary Safetech tools to protect against fraud, include real-time order comparisons with customers’ purchasing history to determine if a customer making a purchase is genuine. It also utilises geolocation controls and transaction risk scoring. Meanwhile, Safetech encryption encodes data once it enters the POS system, as compared to competing system where this occurs later in the transaction process. Additionally, data which is in transit or at rest Is protected via tokenisation.
Additional fraud prevention services are offered through the Orbital Virtual terminal including Account Verification, an Address Verification System, and CVV/CID.
Account Verification: This enables merchants to verify the accounts of cardholders without it having an impact on their credit rating.
Address Verification System: This facility enables merchants to enter a customer address and compare it to the information held on file by a credit card company. This check is particularly useful where the customer wants it shipped to a different address because it may be an indication that they have used a stolen credit card.
CVV/CID verification: This is a verification system which uses the three or 4 digits (usually numbers) printed on a credit or debit card to authorise a transaction. CVV (Card Verification Value) uses the 3-digit code which is printed on the back of most credit cards; CID (Card Identification) is a four-digit number which is located on front side of American Express cards.
This is a tool that ensures merchants do not lose customers because they have failed to provide up-to-date information when their credit card expires. The Account Updater validates cardholder information with Mastercard, Visa, and Discover, saving the merchants the trouble of doing it themselves.
Through Chase Paymentech Orbital clients are offered a variety of payment processing accessories. These include:
Counter-top terminals: Offering models like the Verifone VX520 and the Ingenico iCT250, Chase offers a range of payment terminals that are compatible with mobile wallets like Apple Pay, Google Pay, Samsung Pay and other popular solutions. Terminals accept all major EMV (Europay, Mastercard, Visa) credit, signature and PIN transactions and built-in security to protect data and safeguard against fraud.
Pay at the Table Terminals: For restaurants and other mobile payment environments, Chase offers Pay at the Table terminals with wireless connectivity – Wi-Fi, Bluetooth and 3G connection – enabling users to process payments away from the counter. Again, terminals support popular mobile wallets and major EMV credit, signature and PIN debit transactions. Terminals are designed for both indoor and outdoor users, with an extended battery life with a lightweight and compact design.
On the Go Solutions: These are specifically designed for businesses that want to accept in-person payments via their mobile device; especially suitable for accepting payments outside a fixed, physical location, such as mobile food vendors or stall holders. All users need to activate the service is the Chase mobile card reader, the dedicated Chase Mobile Checkout app, and a compatible mobile device. Users are able to accept all major EMV credit, and signature debit transactions, whilst they are also able to access a range of reports remotely too; the Chase Mobile Checkout app provides access to a range of customisable dashboards.
Online POS (Point of Sale) Solutions: These devices are aimed at healthcare providers, professional services, and office-based businesses that want the facility to accept in-person payments through a computer pin pad. For those that do not have a terminal they can accept card payments through their desktop or laptop computer – all the additional functionality they need is a compatible pin pad. It is easy to get started – no complicated set-up is required, and payments can be processed safely and securely. Again, merchants are able to accept all major EMV credit, signature and PIN debit transactions, and popular wallets are supported as well.
Interested parties should contact the vendor directly for the prices of these accessories and support options.
Pricing is on a quotation only basis – interested parties need to contact the vendor for more information. No free trial is on offer.
Orbital Payment Gateway is a cloud-hosted web-based platform that supports Windows and Mac operating systems.
Orbital is PCI (Payment Card Industry) Level 1 compliant, whilst its parent, Chase Paymentech offers a range of services to merchants enabling to them enhance, or become more compliant with PCI requirements. The payment gateway offers a variety of security features designed to keep the data of shoppers safe. Through its customer profile management capability, credit card numbers are transformed into digital tokens, which means nobody can identify them, especially as these tokens are stored offsite.
An additional safeguard in terms of transactional security is provided by a tool that enables a merchant to determine, based on their transaction history, whether a person placing an order is actually a genuine customer or a fraudster. Through geo-location technology, a merchant can determine where a customer is located, and match and compare that with information held on file for them. Additionally, transation risk scoring is employed in order to reduce the liklihood and frequency of fraud.
In addition, Orbital uses Chase Paymentech’s proprietary Safetech encryption – the advantage that this offers over other forms of encryption is that it transforms data into code that cannot be broken when it enters the POS system, rather than later in the entire transaction cycle.
The Orbital payment system offers integration with third-party business systems and online stores, including e-commerce and payment applications like Magento, WooCommerce, Spreedly and Zuora.
Direct support is available through either by phone or email 24/7. The vendor can also be contacted directly via social media – Facebook, Twitter, LinkedIn, Instagram, YouTube and Pinterest.
In terms of self-service options there is a knowledge base with product guides and tips, FAQs, troubleshooting articles, whitepapers, and advice on PCI compliance and fraud management.
Developers meanwhile are given their own Development Center where they can gain access to APIs, SDKs, and more that they might require to meet their payment technology needs. There is a team of Chase integration consultants available as well to help users find the right solution for their business.