BeMac

PayGate Plus Modules

PayGate Plus Modules allow the user to add additional functionality as needed. In addition to the payment modules, such as NACHA, SWIFT and Single Payment Entry, BeMac also offers PayGate Validate a real-time data validation service for electronic payments and PayGate e-Post for secure electronic delivery of business documents such as invoices, remittances and statements.

Key Plus Modules:   

• PayGate Server 
• Validate  
• e-Post  
• BACS Direct Debit 
• Faster Payments   
• RBS BankLine Exchange  
• Global Payments, incl. SEPA, NACHA, SWIFT 
• Single Payment Entry
• Beneficiary Account Management
• Hardware Security Module (HSM) 
• Lights Out HSM Operation 
• Multi-Bank Bureau 
• Multi-Client Bureau 
• S/MIME Security
• SFTP File Transfer
• Goldstar, Emergency Submission

PayGate Server

The PayGate Server is an optional rack-mounted secured hardware unit with an integral web server, which supports the PayGate fully accredited client/server network software. The hardware acts as an electronic safe, continually protecting sensitive payment data at every stage from production to processing. Information is encrypted at each user's desktop and is sent securely direct from the PayGate hardware.

Validate

PayGate Plus Validate has three components: Validate for Payments, Validate ID and Validate API. Validate for Payments is a real-time data validation service for electronic payments. Using Validate you can quickly and easily validate UK domestic and European payment data such as account numbers, credit card numbers, BICs, and IBANs. 

Validate can also be used to ID Check individuals to help you meet your Direct Debit obligations and reduce payment fraud. Validate also gives you access to a rich stream of company information including access to accounts and directors reports. 

Access to Validate is via a browser-based user interface or as a robust, modern web service API Validate API can be accessed either as a hosted service with no investment in hardware infrastructure or on-site from within your own secure LAN. 

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e-Post

Electronic document delivery helps you save thousands on your document distribution costs. Instead of posting paper documents, your documents are sent electronically, eliminating the time and money spent in creating and issuing business documents manually.

PayGate Plus e-Post performs fast and efficient e-document distribution (EDD) with invoices, remittances, purchase orders and statements produced and securely delivered at the touch of a button. It works by retrieving the data extracted from third party applications, such as an accounts package, (which can be scheduled automatically) and then translates this data into an electronic document, based on a user-specified layout and format, such as a purchase order or invoice.

PayGate then routes the document to the required recipient, using either the application’s address book, or your third party application to provide delivery details. The HTML, PDF or TIF document is then sent via email, fax, print or file transfer. PayGate can also incorporate optional EDI capabilities and supports all the current financial message standards.

EDI communications can be sent and received by PayGate and any incoming messages can be redefined for integration back into your third party applications.

BACS Direct Debit

The PayGate Plus Module for Direct Debit provides all the features necessary to submit and process Direct Debit instructions. Workflows can be used to ensure that any failures or exceptions are handled efficiently and effectively. The reporting capability of PayGate includes the following:-

AUDDIS – Automated Direct Debit Instruction Service – PayGate will produce the correct messages to initiate a Direct Debit instruction using this BACS Service.

ARUDD – Automated Return of Unpaid Direct Debit – When unpaid items are returned PayGate can send Alerts, via eMail or SMS, so that action can be taken to recover the funds.

ADDACS – Automated Direct Debit Amendment and Cancellation Service – PayGate will format information about Amendments and Cancellations so that they can be directly imported to your internal systems, alternatively PayGate will directly update your internal CRM database via SQL.

DDICA – Direct Debit Indemnity Claim Authorisation – Using the combination of eDocument  and Alert facilities within PayGate you can automatically initiate the process to limit the cost of dealing with Indemnity Claims.

Faster Payments

The Faster Payments Service enables electronic payments, typically made via the internet or phone, to be processed almost instantaneously rather than the current 3-5 days. The addition of the PayGate Plus Module for Faster Payments provides a single transaction gateway, enabling payment management in a single, straightforward solution. The module also supports Direct Corporate Access (DCA) enabling Commercial Bank customers to submit Faster Payments directly to the Faster Payments Service (FPS) central infrastructure.

RBS BankLine Exchange

The PayGate RBS Bankline Exchange Module is the ideal solution for Financial Institutions and Corporate Treasury operations that want to take advantage of the services available via Bankline Exchange. Payment Transactions can be sent to PayGate in a wide variety of formats and then processed according to your own rules and sent to Bankline in any supported transaction scheme. Notifications and Reports are downloaded on a configurable basis and can trigger new workflows to provide input to internal systems or alert users to exception conditions.

Global Payments, incl. SEPA, NACHA, SWIFT

These PayGate Plus Modules can format messages for SEPA, NACHA and the SWIFT network and automatically send these messages. They are designed for the PayGate BACs user entering new markets.

The modules form an integral part of the PayGate Enterprise solution and provides a cost effective method of accessing these networks to exchange instructions and information with your banks.

Single Payment Entry

PayGate provides a template based input solution so that individual payments can be entered manually.  These can be authorised and processed against organisation specific rules and then forwarded as SWIFT MT101 instructions to your bank.

Beneficiary Account Management

PayGate allows you to create and authorise beneficiaries.  The process level can include multiple levels for additional security.

Hardware Security Module (HSM)

The PayGate Plus Hardware Security protects and secures transactions.  It provides powerful end-to-end security for online banking transactions and applications for credit, debit and chip cards.

Lights Out HSM Operation

With this module, PayGate Enterprise can be set up for full unattended lights out operation with an integral Hardware Security Module (HSM), so you can schedule tasks for later, more convenient transmission. Two units can also be linked to provide redundancy, for extra reassurance.

Multi-Bank Bureau

Offers PayGate BACS users to add up to 20 additional bank groups. PayGate Enterprise users can add an unlimited number of additional bank groups.

Multi-Client Bureau

PayGate BACS can add to 45 additional users, whilst PayGate Enterprise can have unlimited additional users.

S/MIME Security

Many banking systems use S/MIME to secure payment instructions sent and received by PayGate.  This module ensures the integrity of payment instructions between you and your bank