Within Mumbai

Within India Except Mumbai

Overseas (Not within India)

 
STEPS FOR PROCESSING ONLINE PAYMENT USING www.nivalink.com/payment2
 


Cards that can be processed : Mastercard / Visa

The Process

Page 1 where you enter e-mail id and Name and amount is a non secure page and so do not enter any credit card details here.

Page 2 is a reconfirmation page. Just enter. This will generate an e-mail.

If the browser asks if you need to go to a secure page Press "Yes"

Page 3 is a secure page of ICICI Payseal (128 bit encrypted) where you enter information related to your credit card and after rechecking the details click ok.

Page 4 : Since 1st Aug 2009, There is additional authorization all cardholders have to go through which may depend on the issuing bank. e.g. Visa card holders may have to put in their "Verified by Visa" authentication details or may just be asked their date of birth. All issuing banks have process listed on their website for registering and availing this additional information.

After a few seconds when the process is done the control moves to page 4. If the browser asks if you need to go to a non-secure page Press "Yes"

Page 5 Just displays Payment status. If successful it will display Authentication code. Click continue.

You will Receive confirmation of the status of payment by e-mail immediately.

We receive a copy of E-mails generated and so no need to reconfirm that the payments are made .

REASONS FOR PAYMENT FAILURES

Besides Unavailable sufficient Credit there are many reasons why a payment can be unsuccessful.

If status was "Rejected by Payment Gateway" then it is due to Common mistakes which are:

* Spaces in Card number (No spaces in card no - 16 digit)
* Incorrect Expiry month/year
* Incorrect CV no
* Incorrect Card selection (Mastercard / Visa)

* Spelling Errors in Card Name

If the Status shown was that "Rejected by Switch" then it is due to some credit cards are not authorised beyond a certain value for Internet transactions. Also Some credit cards have "automatic safety feature" that blocks the Internet transaction.

In this case only the credit card issuer bank can help. ."Automatic safety feature" can be relaxed for 24 hours within which transactions can be carried out.

Sometime the error says "Card Bin Stop Listed". Due to certain internal verifications by the banks or payment gateway, certain card series are temporarily suspended for getting processed. In such cases its best to use another card and usually it works.

Despite following all above, the card still gives an error. This option processes payment gateway in "SSL" mode. There are other options available such as IVR / Cell-IVR which processes card in "Moto" mode and often cards rejected under "SSL" mode goes through successfully in "Moto" mode.

So You may try again considering this and any errors if any which do not fall into one of the above reasons can be reported to to errors@nivalink.co.in

HOW SAFE IS ONLINE PAYMENT PROCESSING - Absolutely safe and no issues since year 2000 Because.

* 128-bit Encrypted Secure Servers Processing
* Online Processing with instant status. No storage of credit card details for offline processing
* No Manual handling of credit card information

WHAT WILL I GET ON MY CREDIT CARD STATEMENT - NIVALINK

HOW DO I PAY IN RUPEES WHEN MY CREDIT CARD DOES NOT CHARGE ME IN RUPEES - All amounts are to be entered in Rupees and the Mastercard/Visa will convert your local currency into equivalent rupees and charge you accordingly at a Rate of Exchange decided between Mastercard / Visa and Issuing bank for such transaction.

This Rate of Exchange (ROE) typically is inferior than the ROE seen on websites like x-rates.com etc. So if x-rates.com shows an exchange rate of 1 USD = Rs. 46 then what actually is being charged by the bank could be 1 USD = Rs. 44.  This ROE keeps changing on a daily basis and therefore for rupee billing, so for cards that have currencies other than Rupee, one can only estimate the actual value that the card will be charged and it is not possible to give an exact value. 

HOW DO I PAY IN USD / EURO WHEN PAYMENT GATEWAY IS IN RUPEES - For services that are charted in USD / Euro / Pounds Sterling, reservation assistants will give you a ROE based on which you pay in rupees on the Gateway. If the card is charged more than the actual amount to be charged then balance would be refunded. This is due to the fact that Rate of Exchange (ROE) keeps changing on a daily basis and therefore one can only approximate the actual value that the card will be charged. 

IS THERE ANY COST FOR PROCESSING CREDIT CARDS : NO. Any additional charges if any (applicable for train and flight tickets payments) will be conveyed to in advance before processing the payment.

HOW DO I GET REFUNDS IN CASE OF CANCELLATIONS / CURTAILMENTS : You will get credit in your card once the refunds are approved. There are no extra charges involved here. In case of refunds on cards not in use or lost or discontinued a 3% deduction is applicable for refunds for processing refunds using alternative means.