Consumer logs on the merchant website.

Selects goods/services/subscriptions he wants to buy and adds to his shopping basket.

Submits his shipping or gifting address.

Selects to buy on his credit card or using his PKN.

The “buy” button activates the control shift to https://payment.transactonpkn.com, the secure server of Easy Netcom.

The server pops up an HTML page, which is SSL encrypted that asks for the PKN / credit card and expiry date.

The transaction information is then passed on to the payment gateway – where the PKN is checked and converted into credit card number and submitted to Master / Visa Payment gateway.

The Issuing bank authorizes the transaction, and the response is reported to the cardholder.

An automated mail is sent to the cardholder (for PKN transaction) informing him about the transaction and asking for confirmation

The responses of all the transactions are stored in an FTP server.

The merchants who are authorized, poll the FTP server through a login name and password and update their database with the order status.

Merchant ships goods and confirms delivery. The merchant retains proof of delivery for 180 days to combat charge backs.

Merchant can cancel the transaction before shipment.

The merchant then performs the “end-of-day” shipment.

Easy Netcom delivers the processed “end-of-day” file to the acquiring bank for payment processing.

The bank releases the payment to Easy Netcom the next working day. The payment thus received is verified with the settlement report.

Easy Netcom transfer the money to respective merchants within three working days with a detailed report of all the transactions.

Entire payment process is monitored and controlled by Manager – Operations.

After shipment / settlement, refund is offline through normal banking channel.