CCAvenue

CCAvenue provides complete, simple and secure online payment gateway services, with a real-time Credit Card, Debit Card, Net Banking, Cash Card and Mobile Payment transaction validation process. This enables eCommerce websites to sell products and services online, and accept payments in real time.

CCAvenue offers two interfaces you can choose from:

	Variable Amount Interface
	Shopping Cart Interface

a) Variable Amount Interface:
If you have developed your shopping cart and you need ccavenue.ae exclusively for final amount authorization you can use Variable Amount Interface. Once the customer finishes shopping on your site, you forward the final amount to the CCAvenue 'secure server final payment check out' page. Your customer then selects his desired payment mode and enters his/her payment details and shipping information to complete the sale. The full transaction flow from your site to the CCAvenue site to the payment gateway is explained in detail through the following formats: - flash, demolink, livelink) & flowchart (below)


b) Shopping Cart Interface:
If you do not have a shopping cart developed yet or don't want to spend your precious resources on designing one, then this interface is just right for you. Use the readymade Shopping cart provided by CCAvenue; which can be customized to match the look and feel of your site. At the top of the shopping cart, simply put up your industry standard 468 x 68 banner, customize the background colour to match that of your website, add the links and give it a total look and feel same as your website.

On your site, list your product or services and insert an 'Add To Cart' button next to this list. We provide these buttons along with snippets of HTML code. Once your customer clicks on the 'Add to Cart' button, he is seamlessly taken to your customized Shopping Cart hosted on CCAvenue's secure server. Here, he has the option of paying up and finishing the transaction OR adding more items from your site. Customers can select products for purchase and add them to a virtual "Shopping Cart" on our secure server. When he has finished shopping, the customer clicks the 'Checkout' button, enters his/her Payment details and shipping information to complete the sale.

The full transaction flow from your site to the CCAvenue site to the payment gateway is explained in detail through the following formats: - flash demolink, livelink & flowchart (below).

• Adult goods and services which includes pornography and other sexually suggestive materials (including literature, imagery and other media); escort or prostitution services
• Alcohol which includes Alcohol or alcoholic beverages such as beer, liquor, wine, or champagne.
• Body parts which includes organs or other body parts
• Cable descramblers and black boxes which includes devices intended to obtain cable and satellite signals for free
• Child pornography which includes pornographic materials involving minors
• Copyright unlocking devices which includes Mod chips or other devices designed to circumvent copyright protection
• Copyrighted media which includes unauthorized copies of books, music, movies, and other licensed or protected materials
• Copyrighted software which includes unauthorized copies of software, video games and other licensed or protected materials, including OEM or bundled software
• Counterfeit and unauthorized goods which includes replicas or imitations of designer goods; items without a celebrity endorsement that would normally require such an association; fake autographs, counterfeit stamps, and other potentially unauthorized goods
• Drugs and drug paraphernalia which includes illegal drugs and drug accessories, including herbal drugs like salvia and magic mushrooms
• Drug test circumvention aids which includes drug cleansing shakes, urine test additives, and related items
• Endangered species which includes plants, animals or other organisms (including product derivatives) in danger of extinction
• Gaming/gambling which includes lottery tickets, sports bets, memberships/ enrolment in online gambling sites, and related content
• Government IDs or documents which includes fake IDs, passports, diplomas, and noble titles
• Hacking and cracking materials which includes manuals, how-to guides, information, or equipment enabling illegal access to software, servers, websites, or other protected property
• Illegal goods which includes materials, products, or information promoting illegal goods or enabling illegal acts
• Miracle cures which includes unsubstantiated cures, remedies or other items marketed as quick health fixes
• Offensive goods which includes literature, products or other materials that:
  a) Defame or slander any person or groups of people based on race, ethnicity, national origin, religion, sex, or other factors
  b) Encourage or incite violent acts
  c) Promote intolerance or hatred
• Offensive goods, crime which includes crime scene photos or items, such as personal belongings, associated with criminals
• Prescription drugs or herbal drugs or any kind of online pharmacies which includes drugs or other products requiring a prescription by a licensed medical practitioner
• Pyrotechnic devices and hazardous materials which includes fireworks and related goods; toxic, flammable, and radioactive materials and substances
• Regulated goods which includes air bags; batteries containing mercury; Freon or similar substances/refrigerants; chemical/industrial solvents; government uniforms; car titles; license plates; police badges and law enforcement equipment; lock-picking devices; pesticides; postage meters; recalled items; slot machines; surveillance equipment; goods regulated by government or other agency specifications
• Securities that includes online trading of stocks, bonds, or related financial products
• Tobacco and cigarettes, which includes cigarettes, cigars, chewing tobacco, and related products
• Traffic devices, which includes radar detectors/jammers, license plate covers, traffic signal changers, and related products
• Weapons, which includes firearms, ammunition, knives, brass knuckles, gun parts, and other armaments
• Wholesale currency which includes discounted currencies or currency exchanges
• Live animals
• Multi Level Marketing collection fees
• Matrix sites or sites using a matrix scheme approach
• Work-from-home/earn online information
• Drop-shipped merchandise
• Spy camera's
• Any product or service, which is not in compliance with all applicable laws and regulations whether federal, state, local or international including the laws of UAE

Founded in 2001, CCAvenue is the largest Payment Gateway in India today. It currently powers more than 85% of the e-commerce merchants in the country.CCAvenue offers the widest range of payment options which includes 5 Credit Cards, 50+ Debit Cards, 50+ Net Banking, 4 Cash Cards, and 2 Mobile Payments, a bouquet that enables customer choice. CCAvenue is empowered by cutting edge, scalable IT platform and technology that processed 100 million plus transactions in the last financial year and has capacity to process 10X more!

CCAvenue 'Smart Analytics' offers you a comprehensive statistical online report and a transparent view of all your transactions in real time. CCAvenue transaction enhancing features includes 'CCAvenue PhonePay' (Fully hosted, customised and ready to use IVRS), 'CCAvenue Invoice Payment System (IPS)', 'Mobile Checkout Page' which works with all mobile operation systems, 'CCAvenue In-built Advanced Shopping Cart', 'CCAvenue Transaction Failure' amount collection facility through email, 'CCAvenue Auction Invoice' collection facility through email.

CCAvenue offer a huge bouquet of 100+ Payment options, including American Express, Diners Club International, JCB Cards, MasterCard, Visa and 44+ Net Banking options, Major Cash Cards and Mobile Payment options. For a detailed list of our payment options Click here

After you sign up as a CCAvenue Merchant, our internal business and security team scrutinize your application, this takes about 24 - 48 hrs. On approval, you will receive an e-mail notification from us with the good news and a link to CCAvenue's payment page, from where you can pay the set-up fees either by Credit Card or demand draft or even a local/at par cheque. The approval email will also contain a list of documents required by us to validate your business.

You can get your account activated within 24 hours of submitting the Bank Letter required. We provide a Fastest Activation process .

You are required to complete all of the above procedure within seven days of receipt of formal approval from CCAvenue. Your account with us will only be activated on receipt of all of the documents mentioned in the link provided above. Email notice of activation of the account will be set to your registered email address.

Merchants can go live within 4 days of sign-up should they so desire. CCAvenue follows a policy akin to a bank account. We pay-out all funds over the first Rs 1,000 accumulated into your sub-merchant account. We expect you to maintain a minimum balance of Rs 1,000/- to keep your account going. On closure of the account with us this amount is refundable after 180 days of the last transaction, as this is the period for which a sub-merchant is liable for chargebacks for Internet related Credit Card transactions.

Note: Kindly note that CCAvenue payouts will be kept on hold, which will be released only on the receipt of the complete set of documents and the same is vetted by the Auditor.

To change "Pay to" details, raise a ticket via the "Help Desk" interface available in your CCAvenue MARS account. You will receive an email from the administrator as soon as your new "Pay to" details are approved. You have to sign a new agreement for the new "pay to" detail, to take effect.

A Merchant may change/upgrade his "Account Type" only from economy to premium type (by paying the up gradation fee of INR 25,000) and not vice-versa. The new account settings will reflect as soon as the excess fee payment is cleared and will be applicable from the next weekly payment cycle. The Sub Merchant does not have to make any changes on his site for the new settings to take place.

Email addresses: compliance@ccavenue.ae or accounts@ccavenue.ae

Yes, multi-currency payment processing is available with CCAvenue. We process transactions in 27 major foreign currencies, allowing merchants to target and sell a global level.

Your customer's Credit Card statement will be billed as ccavenue.ae or Avenues (I) Pvt. Ltd. During the transaction and after successful payment we make it amply evident to your customer (on the pay page and by a confirmation e-mail) that his Credit Card statement will reflect the charge as this.

A refund that is forced by the Card company as requested or disputed by the card holder is known as chargeback. Chargebacks usually occur due to fraudulent activity on the card (real or perceived) or due to the customer disputes with respect to faulty products or services or from other authorization issues.

As per the Card Network companies rules, any online transaction can/may also be revoked or refuted by a customer to a Sub Merchant via his card-issuing bank for the following reasons. This is normally allowable for up to 6 months from date of the transaction. However, in some cases this period may extend even beyond 6 months depending on the Bank policies of certain banks.

Resons for Chargeback:

• According to the customer he/she paid by other means
• This is copy request received from acquiring bank
• According to the customer he/she has not received the service ordered
• According to the customer he/she did not engage in this transaction, did not purchase anything from CCAvenue, and did not authorize this transaction
• Refunded Order
• According to the customer the merchandise received were either defective, damaged, or not as advertised
• According to the customer he/she has not received the merchandise ordered
• According to the customer the transaction amount differs
• Cancelled Order
• According to the customer he/she is not in possession of the card
• According to the customer they returned the merchandise, or that you agreed to issue a refund on this order
• This is fraud investigation received from acquiring bank
• According to the customer he/she has been charged multiple charges for order nos.
• Incorrect Currency or Transaction Code or Domestic Transaction Processing Violation

CCAvenue's payment gateway service provider, (ICICI Bank Citibank,Axis Bank,SBI Bank and American Express Bank) have state-of-the-art fraud screening capabilities to reduce risks.

However, if any chargeback is reported by the cardholder, you (sub-merchant) will be liable to pay the amount back to CCAvenue or it will be adjusted with the current balance of your account with CCAvenue; you will be liable to refund back the disputed amount to CCAvenue/card holder.Please note that this practice is universal and is followed by all payment gateway service providers the world over. CCAvenue has also an in-house team, which will screen all the transactions. Please see the section on fraud reduction tips for more information.

The chargeback disputes are normally less than 0.01% of the total transactions in a year.
Basic Documents required from submerchant :
a) Sub Merchant should keep complete proof of goods being shipped. This could be in the form of a Courier consignment note or Signed Receipt from the final consignee((POD.)
b) The Sub Merchant can prove that the customer was informed in advance about refunds / return of goods for replacement faulty goods.

A CHARGEBACK CAN ONLY BE REVERSED IF THE CARD HOLDER FORMALLY INFORMS HIS/HER BANK OR CARD ISSUING INSTITUTION THAT HE/SHE WILL ACCEPT THE DISPUTED CHARGE.

Authorization is a process by which the amount is blocked in the Credit Card holders Credit limit, i.e. the credit limit reduces by the Authorized amount. The period for which the amount can be blocked is 12 days. After which, if the transaction is not captured the amount is released to the customer's credit limit.

Capture is the process where the blocked amount is debited from the customer's credit card. Only after you capture the order will the debit be reflected in your customer's Credit Card statement and the order amount less the transaction discount will be credited to your CCAvenue® account statement.

It is advised that the merchant must ship the order within 12 days and capture the amounts from CCAvenue® MARS account. If the business model requires that you capture the amount before you actually ship the order and your customer is agreeable to the same, then you may do so. If you do not capture within 12 days, the transaction automatically evaporates from the payment gateway system on the 12th day and the Credit Card limit is restored to your customer's Credit Card. You cannot block your customer's card forever. This facility helps Merchants in a way that if they want to cancel or do partial capture within 12 days of the receipt of the order, then they do not have to pay any cancellation charges on the cancelled amounts.

Before the introduction of this facility, merchants had to pay cancellation charges for orders they could not fulfil. The CCAvenue® system requires that you view the details of orders placed by your customers and capture the orders within 12 days so that the order amounts can be credited to your account.

Note: When the customer selects the net banking option for payment the transaction amount, in case of a successful transaction is immediately debited from his account.

The steps to be followed 'To Capture an Order' are as outlined below:

STEP 1: Click on the 'Pending Orders' link.
STEP 2: Select the orders you wish to view the details of click the 'View Selected Orders' button.
STEP 3: For each order you will be capturing select the Delivery Mode from the dropdown menu of delivery options, enter the Delivery Details in the box provided and select the 'Shipped / Executed' radio button.
STEP 4: Click on the 'Update Orders' button.

CCAvenue recommends that you access the 'Pending Orders' section regularly (at least 4 times a day) and capture orders as orders are kept pending for only 12 days inclusive of the date of placement of the order. At the close of the 12th day the order is automatically cancelled by the system.

Note: In case an order paid through Credit Cards is cancelled within the 12 day period of capture then transaction charges will not be applied to that order. However, in case of transactions paid using the net banking option the TDR will still be applicable as the cancellation of that order amounts to a refund.

CCAvenue maintains a customer-friendly refund policy. This keeps our administrative costs under control in two ways: First, it reduces the amount of time spent researching customer inquiries; and secondly, it reduces the occurrence of chargeback disputes. (A chargeback dispute is a refund that is forced by the customer's Credit Card company.)

Granting Refund to customer:-
In most situations when a customer asks for a refund, we want to try our best to grant that refund. Here are some guidelines on our refund and dispute policies:

The Seller sets a time limit: The sub-merchant is required to set the refund time limit on his/her site depending on the goods sold on his/her site. If a customer is dissatisfied with a product that he/she has ordered, the client should accept the product back and grant a refund. If desired, a client may specify that shipping charges are not refundable; however we would prefer to refund the shipping charges as well.

A Sub-Merchant can cancel an order without any Service fees being charged only as long as the order is cancelled in the window period (this period is fixed by CCAvenue as twelve days). If the sub merchant fails to either capture/cancel in the window period, transaction becomes invalid.

Note: This option is not available for payment by Direct Debit cards. In case of debit in ICICI net banking account, a refund will be made only if the order is cancelled within 10 days, from the date when the order is placed.

Transactions processed by Credit Card through CCAvenue are always presented to the sub-merchant in the "pending" mode. The sub-merchant is guaranteed that the customer's card is good/credit worthy for the amount of that transaction for the next 12 days. During this period of 12 days the sub-merchant has to perform any one of the following actions.

a) He may decide not to fulfil the order and mark it as cancelled.
b) After arriving at a consensus with the buyer decide to ship part of the ordered goods and claim only an amount equal to the shipped order.
c) Ship all of the ordered goods and claim the entire value of the transaction.

If the sub-merchant is confident of shipping the goods after a period of 12 days (and has the agreement of the customer for this) he may go ahead and capture the amount, and subsequently ship the goods as per their agreement. Should the sub-merchant subsequently fail to do this and wish to refund the amount, depending upon the account type a transaction charge + taxes will have to be borne for the gateway usage. Once the capture/fulfilment process has been completed by the sub-merchant CCAvenue's accounts department will process all such "captures" undertaken till mid-night of Thursday and process payments to reach the sub-merchants' account by direct credit/office by an at par cheque on the following Monday.

CCAvenue uses the most powerful Verisign secure socket layer (SSL) for encrypting customer data during transmission. To put this into non-technical terms, it would take 340,000,000,000 years for today's fastest computers to crack Verisign SSL. Click here to verify our certificate.

You may represent your product pricing in any number of currencies. Your customers can check-out on the CCAvenue payment option page using their desired currency, as we now allow our Merchants a Multi-Currency payment Gateway that supports 27 foreign currencies. And no, you do not have to create a separate shopping cart link for the various currencies.

No one can predict what exchange rate the end customer is going to get on his Credit Card bill, as this fluctuates by the minute. So to play safe, you must ensure that, no matter what happens, the end customer should not see any amount over US$10/- on his Credit Card billing statement. For this, you need to work with a benchmark.

Let's assume, the US$ rate today for INR is INR 48.50 = US$ 1. You should take a benchmark of INR 48.0 = US$ 1. Which means that even if the clients' bank is actually using the exchange rate INR is INR 48.50 = US$1, the client will only be billed US$9.89; as against US$10/- which he agreed to pay you. (This is arrived at by US$10 x 48.0 = INR 480/48.5 = 9.89) To ensure the best deal for both you and the customer, you will have to regularly monitor the INR >< US$ rate of exchange, and maintain an optimum difference parameter. While small corrections in the exchange rate do not affect your customer's price negatively, you must also be careful not to underprice yourself on the exchange rate too much. Do upwardly revise your INR calculation if there is a huge jump in the exchange rates, so that this jump can add to your profitability.

To confirm your current balance payable, log in to your ccavenue.ae account by using your user name and password. You can check the amount payable to you on the screen that follows, click "View Account Statement" option.

Yes, just as you are required to maintain a minimum amount in your savings account in a nationalized bank; you (sub-merchant) need to maintain a minimum balance of Rs 1000/- in your online ccavenue.ae Account.(Please refer the clause of 17 in the agreement.)

CCAvenue settles payments on a weekly basis. Once the net payables in your account exceed Rs.1000/-, CCAvenue will issue regular cheques for all amounts over & above of Rs.1000/- according to our weekly payment basis. That is, for the transactions shipped/executed by you until Thursday, you will be paid on Friday.