Bespoke Gateway and CRM Services


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In today’s modern world and age, almost everything is done online. From online messaging, reading, and being informed of the latest trends and news, to businesses having an online presence – the possibilities of the Internet remain endless.

In the world of finance and business, the Internet and online presence play huge roles in reaching out to customers, as well as customers reaching out to businesses. Online transactions on various sites continue to grow throughout the decade. In line with this, it becomes more important to establish a safe and secure payment gateway, as it is an essential part of online businesses. This enables customers to make online transactions and authorize business merchants’ payments.

What is a gateway?

Firstly, a gateway that involves payment is online. It authorizes, investigates, and verifies transactions that happen during business transactions. Essentially, it is the backbone of online markets.

How Does a Gateway Work?

Once a customer buys or orders something through an online seller, the information the customer shares are then encrypted and is then transferred to the merchant’s side, which is the web server, and this process is done through SSL (Secure Socket Layer) Encryption.

The merchant forwards the information to the payment gateway. The information is once again transferred to a payment processor, which the is of the merchant’s acquiring bank. It is again forwarded to the car association, where the payment is validated.

As complicated as this process may seem, it happens in a simple click of a button, and happens no more than a minute. Below you will be able to find a flowchart diagram on how it works:



This is when the customer picks the items or services that they intend to purchase. Subsequently, this is when the customer enters the necessary credit card information and credentials in the payment gateway page. The information entered it then sent to the payment gateway.


Once the information is sent to the payment gateway, the payment gateway then collects and verifies it, on whether or not it is correct and accurate. After which, the information is then sent to the customer’s bank through a protected link to protect the information.


The moment the bank receives the information, verification occurs again, as the bank checks the card’s credentials and conducts a cross-check on the available funds in the customer’s bank account to see if it is still good for paying this particular transaction. After this stage, the bank authorizes the transaction, in which the result of “Approved” or “Rejected” is displayed.


Finally, after the previous steps, the bank then makes the payment to the payment gateway, with the amount to be paid during the transaction taken into consideration. The amount is settled by the payment gateway to the merchant seller’s bank account online – with the payment settlement terms – which were decided by the payment gateway, service provider, and the merchant. The transaction is then complete.

In New Zealand, there are 5 major bespoke gateways that we specialize in, and are for Kiwis.

These 5 major gateways are the following:

Paymark with Payclick 


Paymark – once called Electronic Transaction Services Ltd. – has been in New Zealand for 35 years, since 1984. As a company that ran on an international real-time payment network, it has helped New Zealand continue to lead the world.

Paymark is now embedded in the New Zealand society. It is trusted all across the nation. The New Zealand public rely on Paymark to ensure that electronic and online purchasing is available whenever and wherever purchases for services and goods are made. Paymark is the middleman empowered to move money from customers to merchants through means that are reliable, safe, and secure.

Paymark is now in the international frontier as a world leader in the payments industry, the Ingenico Group. This puts Paymark on a more innovative level. The Ingenico Group helps the company to develop through the ambition to facilitate merchant’s transition to multi-channel sales through Ingenico’s comprehensive range of smart terminals, payment services, and mobile solutions.

True to its passion for innovation and in their step towards the era of online payments and the online world, Paymark has launched Click last 2015. Click is their online eCommerce payment gateway that enables the business owners to customize the online application payment they will choose for their customers. It is a payment integration direct from Paymark.

Click offers Online EFTPOS features wherein a customer can also pay using their ordinary EFTPOS card and a linked phone number. Click offers a competitive monthly transaction and fee. For a merchant, the monthly cost is at $25, cost per transaction at $0.20, and one-off setup at $125.

We here at YHP are proud to say that YHP has developed the first Paymark gateway for car rental companies and WordPress in New Zealand.



EWAY was established in Australia and New Zealand in the year 1998, with a vision to make payment transactions easy. EWAY is currently 25% of the Australian online market and trading in 5 countries.

Processing billions of dollars in payments across the globe yearly, they also transact tens of thousands of dollars for businesses. EWAY is merchant-centric and believes in offering the community a safe, reliable, and frictionless payment gateway, which they believe is essential and is a cornerstone to their growth and success.

Being part of Global Payments, they are the only provider offering a “real people” 24/7 local and omnichannel customer service. They have cutting-edge technology and innovation, but their edge in the payment gateway market is personal involvement.

EWAY takes payments to a smarter, more personal level. They believe that the best payment systems are equal parts technology and humanity. EWAY is there to support your business, consult on plans, and connect you with others who can help you get it done.

EWAY offers easy online sign up for new merchants who want to accept Visa, Mastercard, AMEX, or JCB payments on their sites. They also offer the ability to either use your own bank for merchant processing or get set up with their preferred baking partner.

EWAY is partners with popular shopping carts like Magneto and OpenCart, to help your online store start running. They help keep your website secure with “military-grade” protection with the highest level of encryption available. Other tools and resources on cybersecurity and data protection are available through their Merchant Trust Initiative.

EWAY offers affordable plans that are fit for any merchant’s big business, small, commercial, or non-profit merchant services. They offer Medium Plan (wawaaenga) for growing businesses, Low Plan (iti) for those starting out, and High Plan (teitei) for established businesses looking to scale up. In YHP, we have eWAY integrated with many clients.



PayPal is known throughout the globe, as millions of businesses choose PayPal as their payment gateway. PayPal opens up businesses to more than 169 million customers around the world, to 202 countries, and to 25 various currencies.

PayPal’s payment solutions are simple and are easy to integrate. They help simplify reporting, compliance, and back-office systems, without minding if the company is small, medium, or big.

Using PayPal, accepting major payment types from customers is faster. Once customers pay you, the money can be found in your PayPal account in seconds. It is even possible for you to withdraw it or send money as payment to your suppliers.

Safety of businesses and customers is a high priority of PayPal. With their top-of-the-line automatic fraud screening, 24-hour transaction monitoring, and protection policies, you can ensure smooth transactions without the fear of losing any important information or money.

PayPal continues to innovate to ensure that their checkout experience is faster and easier on various devices you might have, mobile, website, or app to help your customers buy with confidence and security.

PayPal helps you get paid online by adding a complete online payment solution to turn your website into an online store. This helps you accept credit card, debit card, and PayPal payments on your site.

You may also opt to add PayPal to your existing online checkout to improve eCommerce site conversion rate. With PayPal, you will be able to send and create customisable invoices to your customers, and you will be able to maximise your sales opportunities with their mobile payment solution.

PayPal charges a fee based on how much you sell. In New Zealand, the merchant rate is 3.4% + $0.45 NZD per domestic transaction.

Payment Express


Payment Express brings to the table a secure, reliable, all-in-one payment solution that can scale with your business wherever you or your clients may be. This is because, in this world that continues to be getting smaller and smaller with the Internet, online payments top parts in businesses.

Payment Express believes in hosted payment page, as it is the most secure PCI-DDS compliant payment option globally. Aside from that, it is scalable, easy to use, and easy to customize, which then caters to all types of businesses, big or small.

The hosted payment page provides flexibility and an easy-to-use payment solution. Merchant-hosted solutions are also available, especially for those who have larger businesses as they usually opt to customize and fine-tune their customers’ payment experience. This will provide a strong payment solution with more control and is more flexible, although it has a higher merchant compliance under PCi-DDS.

In the instance that your customers don’t have computers, or in the case that you operate a call center, Payment Express Interactive Voice Response (IVR) will work for you. It is secure and compliant, using a bespoke call script. Processing large volumes of transactions will not be a problem, using military grade encryption, this transaction will be hassle-free and worry-free.

Payment Express is a level 1 PCI compliant service provider. All their solutions are built with security in mind. They provide opportunity for merchants to participate in their risk management.

They are also integrated to all major ecommerce platforms such as Magento, Woo Commerce, Shopify, and PrestaShop.

Plus, they provide support for the payment brands your business needs, such as account2account, American Express, Apple Pay, Discover, Interac, JCB, Mastercard, PayPal, and many more.



POliPay is the simple Internet payment option with low fees for a merchant who wishes to increase sales and customer satisfaction. When using POLi, your customers don’t need a credit card and they don’t need to register. They can pay online in teal time using Internet Banking of their choice.

With POLi, money is directly transferred into your bank account. POLi is pre-integrated into various popular shopping carts like Woo Commerce, Magento, Opencart, PrestaShop, CoreCommerce and many more.

Businesses on Shopify who use POLi now reach more customers than ever. POLi’s ‘Pay Now with POLi’ options using POLi buttons, links, and forms can be easily linked and used on your websites, emails, and various social media, which makes it perfect for online sellers that don’t need a shopping cart.

POLi is readily available on the PAystation Linked Gateway Platform. Paystation customers can add POLi payments to their Linked Gateway accounts.

New merchants looking for credit card gateway services that require POLi payments can access both from one source. POLi can be added to you Xero invoices to make it easier for your customers to pay their bills. POli is a low-cost quality payment gateway.

How to Choose the Best Gateway for You

In choosing which gateway to use, you must always consider the Payment Card Industry Security Standard (PCI DSS). PCI DDS applies to companies that accept credit card payments.

You must choose a gateway that hosts the data securely, with a PCI hosting provider. To help with this, PCI compliant companies must install and maintain a firewall configuration to protect cardholder data.

They must not use vendor-supplied default system passwords and other security parameters. You must use encryption when transferring data. The use of security systems, ID restrictions, data restrictions, monitoring cardholder data, regularly testing security systems, and anti-virus software is vital and must be practiced.

In our very Internet-based world, it is very easy for information to get into the wrong hands. In choosing a service provider, that of payment gateway, they must be PCI compliant.

How YHP Can Help You

We at YHP have developed systems to tokenize and store credit card information and details safely and compliantly. YHP also develops bespoke POS (points of sale) and CRM systems for its clients.

In line with the ever-advancing world, we have also started the development of Crypto Gateways that will accept Bitcoin and other crypto currencies as payment for various transactions that the customers might make. Let YHP help you achieve your aspirations today, call us on 0800 WEB DESIGN.


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