pageAccess combines a secure commerce server (described below), encryption, and proprietary technologies. This enables you to accept payments securely without the need to store account information.

What is a Secure Server?
A secure commerce server takes advantage of Secure Socket Layers (SSL), a protocol developed by Netscape Communications Corporation for transmitting private documents via the Internet. SSL uses private and public key cryptography to encrypt data before it is transferred over the Internet from the user's browser to a server. Browsers such as Netscape's Navigator® and Microsoft Corporation's Internet Explorer™ support the SSL protocol. Many websites use SSL to obtain confidential user information such as credit card numbers.

A major misconception regarding Internet commerce security is that information submitted to a server via the SSL protocol is always safe. That is not true. The SSL protocol protects information only while it is being transmitted from the browser to the server. As soon as the information reaches the server, SSL has no effect on the security of the information. If no encryption takes place when the information reaches the server, the security of the information is compromised.

Unsurpassed Security
Most merchants accepting online payments do not have access to a secure server. Even fewer utilize encryption techniques. By using pageAccess , a merchant has immediate access to a secure server and advanced encryption technologies.

When making a purchase, your customer completes your online form and submits the order. The information is encrypted and delivered to pageAccess' secure commerce server via SSL.

If the order is placed using RediCharge, the credit card account information is re-encrypted and pushed to an offline server for real-time processing. pageAccess authorizes the card and processes the order in seconds. If the account information is valid, the customer is allowed to proceed. Funds are deposited directly into your bank account.

If the order is placed using pageAccess Electronic Funds Transfer, the bank account information is immediately re-encrypted and pushed to an offline server for processing. The system immediately validates the information. If it is valid, the customer is allowed to proceed. Funds are then transferred from your customer's bank account into your own.

After account information has been authorized and processed, pageAccess generates an email message to the customer listing the items ordered and the order total. A similar message is generated and sent to you, containing the customer's name, address, email address, line items, and order total.

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