The Universal Payment Gateway (UPG)

An easy, secure service for businesses to allow customers
and suppliers to do collections and payments.

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Powerful notification, routing and scheduling engine.
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All services consolidated & orchestrated through a single provider.

How it works

The Core Engine is the orchestrator of the Universal Payment Gateway, knitting together the various services and components.

Collection

An industry compliant service to intelligently manage the collection of monies from customers to improve cash flow, minimise disputes and optimise future collections.

Payments

A payment platform enabling outgoing payments to suppliers, staff and customers. Payments are processed to any destination account, wallets service provider, bank, money transfer, voucher platform and card scheme.

Online Payments

A payments service to enable businesses to receive payments from their customers, through various online channels and payment methods.

Bank Statement Imports & Processing

A payment platform enabling outgoing payments to suppliers, staff and customers. Payments are processed to any destination account, wallets service provider, bank, money transfer, voucher platform and card scheme.

Call Centre Payments

An end-to-end, PCI compliant call centre payment service. This easy to use, agent-assisted solution never exposes card details and contributes to reduced abandonment rates.

Mandates

We enable electronic mandates for your customers which reduces unpaids debts and disputes while providing collector assurance.

Debicheck

We provide access to new legislative DebiCheck collection type which enables customers to electronically authenticate mandates upfront, reducing disputes and potentially fraudulent collections from your customers account.

Electronic Bill Presentment & Payment

The Ecentric Universal Payments Gateway presents your bills electronically to your customers for easy initiation of payment using the gateway, participating banks, retailers and wallet providers. The service ensures the correct amount is paid to the correct biller with the correct reference every time. There are two services, Quicklinks and Bill Aggregation.

More about the services

Collections

An industry compliant service to intelligently manage the collection of monies from customers to improve cash flow, minimise disputes and optimise future collections. 

Intelligent Collections

Intelligent collections incorporates the moving of a customer from standard debit order to NAEDO, bulking of multiple accounts into one payment, delaying settlement to minimise risk and charge backs and making it easy for a customer to move from debit order to recurring credit card payment and tracking customer collection behavior to improve decision making on future collection processing.

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Debit orders / direct debits
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Recurring credit card collections
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Collections scheduling engine
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Authenticated collections
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Electronic mandate management
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Mandate authentication at POS
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Optimised collections, e.g., converting unpaids to Naedo
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Intelligent unpaids management
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Bulking of instructions
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Improved strike dates
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Tracking and forecasting customer behaviour
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Aggregator management
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Delayed settlement

Payments

A payment platform enabling outgoing payments to suppliers, staff and customers. Payments are processed to any destination account, wallets service provider, bank, money transfer, voucher platform and card scheme.

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Processing to all major banks
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Single API for all business systems providing a secure channel for data transport
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Reduced payment errors and fraud using tokenised and audited creditor profiles
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Bulk pay creditors to save on transaction fees
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Multiple ledgers
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Ensure correct destination credentials before processing using account verification services (AVS) and Check Digit Verification(CDV)
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Match payments received and processed to bank statement debits and credit payments
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Upload supplier invoices and payroll data for audit and control
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Configure authorised personnel for payment capture and release
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Automate payment flows for non-repudiation
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Real time payment to staff irrespective of bank account
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Treasury management
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Customer refunds
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Multi format payments, e.g. SWIFT, IFX, ISO20022
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Recurring payments scheduling
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Recurring payments to suppliers

Online Payments

The UPG provides a convenient and secure platform to accept payments through various online channels. Traditionally, customers make payments on web sites using credit card. The UPG extends the offering to include many new payment methods and channels, including bank account EFT’s, mobile phone payments and secure call centre transacting. Customer sign-up is quick and easy and the service is supported by our exceptional after-sales service team.

The online payment service is also available outside of the UPG.

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Store card acceptances online
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Add card for recurring credit card payments
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QR code acceptance online, including Snapscan & Zapper
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Amex with SafeKey and Diners with ProtectBuy
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Debit and credit card acceptance online
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Loyalty and rewards payments (e.g. eBucks, Discovery Miles, uCount)
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Mobile payments online
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Instant EFT, including SID, eft secure
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Call centre payments
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Fraud detection and prevention
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Secure vault for tokenisation
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Dynamic currency conversion (DCC)
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Electronic bill presentment and 1click payment
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Customised payment pages according to corporate identity
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Multiple shopping carts, e.g. WOO Commerce, Shopify, Magento
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Integration into preferred legacy systems and service providers
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Multibanked
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De-scoping PCI DSS
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Multiple integration points (including API & Ecentric’s hosted payment page)

Supported Payment Types

Plastic, Virtual Plastic, Debit Cards, Wallets & Mobile

Payment Types Coming Soon

Bank Statements Imports & Processing

All your financial transactions pass through multiple bank accounts at various banks. The Ecentric Universal Payments Gateway takes care of the complexity in processing bank statements through the consolidation of all statement transactions into a single, standardised view.

By validating and categorising each transaction, it prepares the  information for exception processing and automated posting to the General Ledger. 

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Identify the source of all debits & credits
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Group statement entries across banks & transaction type into meaningful categories
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Import & consolidate bank statements from any bank in any format
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Enrich statement entries with supplementary information
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Manage queries electronically
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Reconcile statement entries to source including bulk items
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Calculate expected fees & charges
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Standardised General Ledger postings
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Apply configurable rules based exception management
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Validate debtor & creditor references
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Allocate unique identifiers to statement entries
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Introduce audit controls for release of exception or mismatched items
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Manage networking capital across multiple accounts for improved cash flow management across accounts
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Link detail payment files to bank statement entries
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Identify transactions with limited information causing un-reconcilable exceptions
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Reporting of unexpected transaction codes, bank accounts and debtor & creditor references
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Calculate bank charges against configured pricing tables

Call Centre Payments

An end-to-end, PCI compliant call centre payment service. This easy to use, agent-assisted solution never exposes card details and contributes to reduced abandonment rates.

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PCI compliant, MOTO solution that halves abandonment rates
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Secure, agent assisted payments
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Card details are always masked to the agent
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A secure card payment service seamlessly integrates with your telephony system
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Includes push-pay for secure links to online payment services

Mandates

We enable electronic mandates for your customers, which reduces unpaid debts and disputes while providing collector assurance.

Debicheck

We provide access to new legislative Debicheck collection types, which enables customers to electronically authenticate mandates upfront, whilst reducing disputes and potentially fraudulent collections from your customers account. 

Electronic Bill Presentment & Payments

The Ecentric Universal Payments Gateway presents your bills electronically to your customers for easy initiation of payment using the gateway, participating banks, retailers and wallet providers. The service ensures the correct amount is paid to the correct biller with the correct reference everytime. There are two services, Quicklinks and Bill Aggregation.

Quicklinks enables your organisation to present their bills electronically to your customers with a simple link which, when clicked, routes your customer to Ecentric’s online gateway for easy payment. The simple link can either be created by Ecentric on your behalf using the Quick Links Service or you can create the link yourself using the Quick Links Express Portal. In both cases, the link is then sent by you to your customer by SMS or email. 

The Bill Aggregation service enables you to send bills needing payment to Ecentric, who will present them to your customers on a variety of channels including wallet service providers, banks and voucher platforms. Your customer will then access the bill on that channel and make payment.

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The service ensures the correct amount is paid to the correct biller with the correct reference every time
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Easy payment via secure email and sms link
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Additional channels include Standard Bank’s MyBills
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Multiple payment methods, including card, EFT, wallets and rewards
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Repeat payments made easy thorough secure storage of card details
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Real time notification of payments into debtor systems
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Electronic receipting

The uniqueness of Ecentric’s UPG

The advanced and market leading core engine simplifies and enables flexibility to the merchant to process payments and collections though multiple channels. From large enterprises to small businesses, all the services are available through a single service provider, Ecentric’s Universal Payment Gateway, with reconciliation and reporting available through a consolidated web portal and client services provided by a single support desk. Secure access, audit and control are all incorporated into our UPG, utilising best international practice and leading industry standards.

Interested or want to know more?