The MEPS solution is a comprehensive and scalable ePayments architecture that is designed to process Business to Consumer (B2C) credit card payments.

A summary of the core competitive advantages offered by MEPS Payment Server Architecture is mentioned below

• Security: The MEPS messaging technology supports secure independent communications between the cardholder and bank, and between the merchant and bank. Sensitive cardholder data is managed independent of the merchant data.




• Authentication: The MEPS encryption and digital signature technology authenticates merchant-to-bank and bank-to-merchant communications. These functions validate the merchant / bank relationship by guaranteeing the identification of both parties in the internet environment. MEPS also supports cardholder authentication mechanisms such as Verified-by-Visa and MasterCard SecureCode, which allow MEPS to identify all parties in the transaction, virtually eliminating merchant chargeback risk and increasing consumer confidence.

• A customer decides to purchase goods and enter details into your website and buys at the checkout page.




• The customer pays for the goods and the merchant software sends an encrypted Digital Order to the MEPS Payment Server.




• The MEPS Payment Server receives the customer’s card details and displays a series of screens. The first screen displays the cards supported by the processor supports, for example MasterCard and Visa. The customer chooses the card type they want to use for the transaction. The second screen accepts the details for the chosen card such as card number, card expiry and a card security number if required.




• The MEPS Payment Server passes the details directly to the card issuing institution. When the payment has been processed, the MEPS Payment Server temporarily displays the result of the transaction before displaying the final screen, which asks the customer to please wait while they are redirected back to the merchant’s site and the MEPS Payment Server passes an encrypted Digital Receipt back to the merchant’s site detailing the result of the transaction. This information is then passed back to the user for their records.

• Increase consumer confidence, leading to increase sales
• Reduce cardholder disputes chargeback’s and associated handling costs
• Increase likelihood of critical mass market adoption (3D secure)
• With the 3D secure option provides added assurance of the physical card present during the transaction time.