HBL | Business | Digital Payments

Overview
Features
FAQS

Overview

HBL has always been at forefront for technology related initiatives, providing organizations and individuals the desired channel through which they could perform their transactions in a secure and convenient manner. The payment industry in Pakistan has developed rapidly in the past decade and continues to grow at an exponential pace.

HBL has introduced the payment platform that enables eCommerce Merchants/Aggregator/PSOs/ PSPs to accept online payments from their customers on their websites and mobile apps. HBLPay Checkout is an umbrella brand for consolidated digital payment services which gives the Single, Simple & Quicker integration; one for all card schemes and Direct Transfer facility from Accounts and wallets for the ecommerce merchants. It reduces the merchant’s hassle to handle sensitive data on their website. In digital industry. eCommerce Checkout solution also offers plugins and apps for renowned ecommerce platforms to help merchants integrate faster and within few hours.

Card based payments allow E-Commerce merchants to accept payments through VISA, MasterCard, Union Pay International, PayPak debit/credit cards. All card based transactions are 3D secured. Account Based Payment is a set of API based services that provides the interface for online merchants to collect funds directly from the HBL and Other partner bank account. All account based transactions are authorized by OTP.

Wallets based payments allow merchants to accept preferably low ticket size payments from wallet customers. Wallet transactions are secured as customer consent is required for every transaction.

Features

3D Secure and PCI DSS compliant – Protects the merchant from financial liability shift in case of card misuse. The PCI DSS compliance relieves the organization from card based data security issues as this is taken care by CyberSource. OTP is required to process all types of transactions.
Multicurrency support – Merchant accepts the payments in multiple currencies (PKR, USD, EURO, GBP and AED)
Recurring transactions – Cardholder allows the merchant to collect payments for goods/services on a prearranged schedule (Daily/Weekly/Monthly). It supports subscription and installments payments.
Fraud Management Module – Decision Manager has been an excellent fraud prevention tool being used worldwide including large organization like Emirates airline etc. It detects frauds patterns with the help of 260+ variables including IP, BIN, velocity, address and advance features like Device finger printing.
Merchant Portal – Comprehensive portal gives access to transaction history, reports, refunds and search options thus minimizing dependency on external organization.
Custom and Auto Reports – Merchant can easily create unlimited customize reports to fulfill their business needs by using up to 300+ available data fields. Subscribe recurring (Daily/Weekly/Monthly) reports and one-time subscription option also available.
Branding – You can brand the payment page with your logo, header, footer, text style, colors etc. to give customer same website experience.
Card on File/Tokenization – Securely store card credentials on App/ Website to avoid re-entering the cardholder credentials. It improves customer experience and give better visibility of customer’s behavior.
Payment Method – Seamless addition of new payment methods (Credit, Debit, E-Wallets, Card-less Transactions or Account Debits).
Plugins – Provides pre developed Apps for common platforms Magneto & WOO Commerce. It will help merchants to integrate merchant website/Mobile app in few hours. Code snippets for PHP and .Net are available to enable quick integration.
Merchant Discount Rate (MDR) – Business friendly Merchant Discount rate is available for merchant to avail the services.
IVR (Interactive Voice Response) – Customer consent recording to activate the HBL account based payments. An IVR call is initiated at the time of first transaction by customer.
APIs – Options to integrate either via API’s or by redirecting to HBLPay gateway to process transactions.
Refunds/Reversal Functionality – APIS’s and Portals are available to initiate refunds and reversals from merchants to customer accounts.
Funds Holding – As a business proposition and to mitigate the fraud risk with certain merchants, bank may hold their merchant payments for a considerable number of days.

Q. What is the HBLPay Checkout ?

It is a payment platform that enables eCommerce Merchants/Aggregator/PSOs/ PSPs to accept online payments from their customers on their websites and mobile apps. The service gives a Single, Simple & Quicker integration; one for all card schemes and Direct Transfer facility from Accounts and wallets for the ecommerce merchants.

Ecommerce checkout solution also offers plugins and apps for renowned ecommerce platforms to help merchants integrate faster and within few hours.

Q. How does HBLPay Checkout Solution works?

For online payments, merchants (seller) receive payments via the Internet or in situations when a payment is not physically presented to the merchant by the customer (buyer) at the time of the transaction.

The diagram below illustrates the flow of payment information and funds from a merchant’s Web site to their bank account.

The following steps explain how funds are transferred to your bank account when customer pays through credit or debit card:

Customer places and order to a

A customer submits the credit/debit card or account based transaction to the Payment Gateway via a secure connection from your Web site.
Payment Gateway receives the secure transaction information and passes it via a secure connection to your bank’s processor.
Your bank’s processor submits the transaction to the bank where payments are deducted from customers.
Upon successful confirmation of payment
The Credit/Debit Card Issuer approves or declines the transaction based on the customer’s available funds and passes the transaction results, and if approved, the appropriate funds, back through the Credit/Debit Card Interchange.
The Credit/Debit Card Interchange relays the transaction results to your bank’s processor.
Your bank’s processor relays the transaction results to the Payment Gateway.
Payment Gateway stores the transaction results and sends them to you and/or your customer.
Payment for successful transaction will be made by the bank in the merchant’s designated bank account

Q. What are the benefits of using HBLPay Checkout ?

Secure Payment - Each transaction will be verified by the Customer via One Time Password (OTP) sent to their registered mobile number.
Smooth Reconciliation - Ecommerce Checkout Solution can help merchants overcome accounting reconciliation process challenge by automating the reconciliation process. There are many in-built features like advanced dashboards and automated reports that offer detailed business insights allowing them keep an eye on cash flows and perform reconciliation.
Customer Friendly - Provide customers with a simple and easy checkout experience through multiple payment options
Ease in Security Compliance - Ecommerce Checkout Solution helps merchants to avoid sensitive customer data handling directly on their website.

Q. What is the basic requirements to avail HBLPay Checkout ?

Following are the two basic requirements to avail HBLPay Checkout

Registered business in Pakistan.
Registered company’s bank account at HBL.

Q. What are the charges of HBLPay Checkout ?

There are three type of charges which HBL charges in order to provide payment gateway services.

Merchant Discount Rate - charged on each transition and will be assessed by the bank
Setup Charges up to PKR 100,000
Annual Maintenance Charges up to PKR 100,000
Transaction charges up to PKR 50 per transaction

Note:The above charges are exclusive of applicable taxes and can be amended on a case to case basis depending on your business module.

Q. Which currencies are available on HBLPay Checkout ?

Currently, top currencies are available for transactions on HBLPay Checkout.

USD
EURO
GPB
AED
PKR
SAR
SGD
CAD

Q. How much time will bank take to transfer the order/transaction amount into my (merchant) bank account?

It will take maximum two working days from the date of transaction to reflect into merchant’s account.

Q. Are there any limits for number of transctions and transaction amount?

Yes, limits are applied based on the nature of business.

Q. How merchant can be On-boarded with HBL?

Merchant onboarding is a simple process as define below.

HBL shares the legal agreement with the merchant where merchant provides different types of details about their business.
After obtaining that information from the merchant, merchant is offered a pricing by HBL.
After the acceptance of the offered pricing by the bank, merchant signs-off the legal agreement and submit that to the bank.
An implementation manager is assigned to the merchant to assist them with the technical integration of their website and/or Mobile app.
After the successful technical integration live credentials are shared by the bank with the merchant and a training session is conducted by bank’s trained staff to enable merchant staff to perform all required operations to run their day to day business.
A Client Services Manager is also assigned to the merchant to assist the merchant going forward.

Q. Does HBL provides any plugin for integration of HBL Internet Payment Gateway?

Yes, HBL provide free of cost plugins for renowned ecommerce platforms Magneto & WOO Commerce for the quickest integration on merchant website/Mobile apps. Moreover, there are multiple third party plugins available online which can be also used for HBLPay Checkout integration. However, that is completely a merchant’s choice what plugin to use.

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