LEVEL 1, 2, 3 Credit Cards

Credit card transactions will match into one amongst 3 totally different categories: Level one, Level two or Level three process. With every level of process, there's an exact quantity of info and needs required for verification and authorization. This info will vary from terribly restricted to terribly elaborated, betting on the kind of consumers or purchasers your business serves. The additional info fields needed, the lower the process rates.

Level one credit card process refers to business-to-consumer (B2C) transactions, throughout that customers use their personal credit cards to create purchases each massive and tiny. The info needed for grade one dealing to go through is tiny, with simply the business person's name, dealing quantity and date required.

Level two credit card process refers to a additional elaborated dealings designed to support business-to-business (B2B) payment process. Business or government people need business-specific payment ways, with the flexibility to watch and Management Company and staff payment. Level two credit card process simplifies the B2B dealing, rising client service for your business patronage and providing them with additional correct dealings reports.

Level three credit card process needs the foremost careful info, and also the transactions are typically created with government or company getting cards. Government agencies and businesses use buying cards for increased reportage and a lot of management over worker purchases. the info fields needed for Level three process includes those from Level two transactions, additionally to variety of others like item product codes, item descriptions and quantities, item rate, ship from zip code, freight quantity, duty quantity, destination postcode, destination country code, and more.

Normally level II and level III cards are used by companies when they involve business to business (B2B) or business to customer (B2C) purchase cards (p-cards) in order reduce to the interchange and merchant bank fees. Here customer can enter additional transaction details like item level amounts, unit prices, discounts, sales taxes, VAT taxes, invoice and purchase order (PO) number to have less charges levied by the payment gateways, acquirers, merchant banks and card brands like Visa, Master Card, Amex, Discover.

MUDIAM Payment Card & Credit Card Solutions for your SAP® ERP and Web Store

MUDIAM continues to be in the forefront of innovation in developing PCI DSS compliant solutions for electronic payment industry. Our solutions encompass wide ranging of tokenization strategies for card industry including many variations of tokenization options for its customers, continuously finding ways to secure data by developing advanced, well-tested and innovative tokenization algorithms.

Our solutions have many innovative ways to perform key rotation strategies for our customers. We exceed the guidelines set forth by the PCI DSS council and perform token key rotation as frequently as once every 3 months and with options.

Our continuous innovation in product solution for SAP® customers include implementing many payment gateway integration, tuning business processes of many companies and their vertical lines of business like consumer goods, retail, manufacturing, web stores. We are expanding integrating to all leading payment gateways integrations and implementing their advance card payment features including real-time, batch processing of multi currencies, corporate cards as well as purchase cards.

Our architecture is built under the concept of lightweight, scalable components that integrates with SAP® ERP system and Internet web stores. Our MUDIAM Application Server is the heart of the system, which integrates SAP® and Payment. Gateway using object oriented written code - with excellent handling payment options like presale, direct sale, and refunds, charge backs using XML, Web services and background processing options using multi thread advanced computing strategies.

Our continuous innovation in analyzing and intercepting card data solutions, helping our customers offer wide-ranging options for their users. This involves card tokenization offering over the cloud and the web interacting with many different platform applications using SSL layer, advanced AES tokenization strategies.

Our award winning web portal - detailing card transaction processing, along with data analytics is ever evolving. With the advent of actual transaction processing calculated up to time frames of milliseconds, underlies our commitment to improve the transaction processing time, giving our customers competitive edge and speed, when processing complex card transactions for their customers.

We invest heavily in technology and in our employee's continuous knowledge uptick - to bring innovating on a regular basis. Our web based reporting along with SAP® system reporting for card transactions is innovative, comprehensive and helps business users not only look at “real-time” card related information both in SAP® ERP as well as over the convenience of the web in the cloud.