OVERVIEW

EMV CERTIFIED MERCHANT ACQUIRING

As one of the leading credit card acquiring services providers, Network offers the most comprehensive service in the UAE.

Enrolling with Network as a merchant will provide the following benefits:

  • Acceptance of all international credit and debit cards including Visa, MasterCard, American Express, JCB and Diners Club.
  • Online real time processing and authorisation of transactions.
  • Flexible end of day cut off time to accommodate each individual business' close of business day.
  • Instant end of day reconciliation reports.
  • Direct payment facility by the next business day to any bank of choice.
  • 24x7 merchant helpline
  • Field sales force providing proactive and personalised service.

Merchant Acquiring Services

Within the scope of business of Merchant Acquiring we offer the following options -

  1. Point of Sale Terminal: In our quest to provide our customers with the best services, we upgrade our credit card machines (terminals) regularly to offer the fastest and the easiest way to accept credit & debit cards at your outlet.

  2. Manual Acceptance: Merchants who already have an Electronic POS terminal can use manual imprinters as a back up to POS terminals. It is also used as a convenience to merchants for use during exhibitions or in situations where communication lines are not readily available.

  3. Batch Processing: Network International also offers processing of credit card transactions via Online Batch processing to merchants who regularly process a very large volume of transactions. Examples of such business are newspaper/magazine subscriptions, pay channel subscriptions, etc.

  4. Internet transactions through Payment Gateway - Network International offers two options for accepting cards for merchants doing business through websites. We supports online transaction processing and merchant payments of Internet transactions through eCompany (A business unit of Etisalat for e-business solutions) Network International also offers the Emirates Bank Payment Gateway for authorisation & processing of online transactions. Dubai Electricity and Water Authority (DEWA), Department of Economic Development, Dubai Police & Dubai Internet City are some of the organisations that are currently using our Payment Gateway for processing their Internet transactions.

  5. 3-D Secure – MasterCard SecureCode, Verified by Visa and JCB JSecure
    MasterCard, Visa and JCB have introduced new authentication methods for internet payments, which involves validating the presence of the cardholder in a traditional internet card-not-present environment.
    Essentially, this involves the cardholder entering a password known only to themselves and their issuing bank during the course of the payment, similar to the use of a PIN during an ATM transaction. This reduces the likelihood of fraud and customer chargeback.

  6. As a third party acquiring services provider, Network International also provides acquiring services for Diners Club International, JCB and American Express.

  7. For large retail businesses we have the capability to provide a more sophisticated and advanced card acceptance infrastructure through the Point of Sale Integrated Cash Register System. With this solution all International credit card products can be accepted by connecting Cash registers directly to our credit card management systems.

  8. E-commerce Services
    1. Network International process over 40 currencies, multiple gateway choices & JBC acceptance along with Visa and MasterCard
      1. MIGS (MasterCard Internet Payment Gateway Services)
      2. Comtrust E-payment (Etisalat)
      3. Enterpayment

        MiGS:

      The MIGS Payment Server is a comprehensive and scalable ePayment Architecture that is designed to process Business to Consumer (B2C) Credit Card, Mail Order/Telephone Order (MOTO) payment and has the potential to process a variety of other payment Instruments.

      The MIGS Payment Server provides a secure virtual point of sale (POS) Gateway to accept and process Internet payment transaction from the bank’s merchants.

      The key benefits with MiGS are as follows:
      • Competitive cost
      • Wide applicability
      • Rapid Merchant payment enablement
      • Investment Protection with payment methods
      • Secure payments
      • Processes major card brands
      • Single point of certification
      • Reduced burden of Merchant administration
      • Future development

      Comtrust:

      Comtrust has pledged to play an active role in providing state of the art infrastructure to facilitate growth of e-trade in this region. The fundamental concern for banks, card associations, merchants and consumers is the transactional security involved in electronic transactions over the Internet. In order to address this issue that was truncating e-commerce growth, Comtrust responded with a family of services and products designed to ensure a much higher level of security for Internet-based transactions than has been available previously.

      Comtrust Online Payment Service enables merchants and e-commerce enabled organizations to initiate the authorization and settlement by their acquiring bank of online transactions, as well as to perform adjustments such as reversals and credits on previous requests.

      Enterpayment:

      Enterpayment is German based payment gateway application where it securely process Visa transactions only.
      This gateway is tailor made for off shore companies registered in the UAE who wants to process visa credit card transaction on a secure online environment.

      Key Functionalities
      • Secure credit card payment facility
      • Easily integrated to numerous platforms

  9. Dynamic Currency Conversion
    Network is the first acquirer to offer Dynamic Currency Conversion service to its Merchants, having invested in the necessary infrastructure. Dynamic Currency Conversion (DCC) allows customers, who are visitors to the U.A.E., to pay the merchant in his/her (select) home currency (non-AED) This would entail marginal earnings as a result of currency conversion, which would have otherwise been earned by the guest’s / cardholder’s bank. Network will share a part of it with the merchant.

    Merchants will get an incentive back for each transaction processed in foreign currency. Considering that the U.A.E. attracts many tourists, merchants are likely to benefit, if they sign-up for the DCC program.

    The added benefits are:
    • Personalized pricing for merchant’s international customers.
    • Convenience and clarity at the point of sale promotes customer satisfaction and brand loyalty.
    • Increased profits on existing business.
    • Lower operating costs for the merchants.

  10. e-Voucher / e-Top up

    MAKE MORE PROFITS THROUGH YOUR NETWORK INTERNATIONAL POINT OF SALE TERMINAL

    Network’s e-Voucher service enables merchant to generate PINs using credit card terminal for pre-paid mobile phones of Etisalat and du for recharging prepaid mobile phone service.

    No additional installations. No extra cost. Only extra revenue.

    • Earn more revenue by generating recharge PINs for prepaid mobile accounts.
    • No extra effort or investment if you are an existing Network International Merchant.
    • Just buy the vouchers from us, sell it to your customers.

  11. GPRS Terminals
    With this terminal, you can instantly open an extra lane for payment in case of rush or support an outdoor selling / marketing opportunity.

    We use a new generation wireless solutions that deliver tremendous performance, high-end functionality and exceptional ease of use – without tying customers to a fixed location. The terminal is powered by a 32-bit processor, so it swiftly handles even the most complex mag-stripe or smart card transactions, using a choice of the latest wireless technologies, such as GPRS, CDMA and Wi-Fi. Powerful 32-bit processing, multi-tasking and “always on” wireless services trim transaction times to just few seconds, even on the most complex transactions such as EMV-based smart card. Its modular design allows modules to be easily swapped should new versions of a technology emerge. These GPRS terminals are evaluated and certified by International Card Schemes.