PaymentNet Payment Gateway
If you are interested in licensing or hosting PaymentNet, please email to
For Point Of Sale Credit Card Processing, please see CreditLine
What is PaymentNet?
PaymentNet is a multi-merchant, multi-processor payment gateway that can power a large clearing house, processor or a middleman entity.
At the base of PaymentNet is a highly scaleable high-performance engine that manages its various payment processing, data management and reporting modules.
PaymentNet can be hosted at the customer site. Source Code Option is available.
What Are The Benefits of PaymentNet?
Return on Investment
While all benefits listed above may be significant, the main ROI factor is the acquisition of the middleman, compound volume benefit and deposit interest. By controlling the surcharges according to market conditions and perhaps fine tuning them by geographical regions and/or transaction amounts your company could significantly add to the bottom line. For instance, even a 0.1% surcharge will produce $1,000 on every $1,000,000 processed. We have seen some hospitality industry merchants process $1,000,000 in a single day. Of course, this can generate a very significant recurrent revenue stream.
Payment Processing Routing Illustration
Middleman Use Case Illustration
This is an optional deployment model where a master account is used to generate middleman revenue. Master account is not required for deployment of PaymentNet.
All numbers are for illustration purposes only
PaymentNet is written in C++ for Microsoft Windows environment
Database used is Microsoft SQL Server
The engine is language independent – any number of front end interfaces can be attached to it for Language Specific UI.
PaymentNet is composed of well defined purpose specific modules as per Best Object Oriented Practices.
The following are the major components:
1) Engine - central controlling entity that is responsible for coordination of the program modules
2) Dispatcher - dispatches controlling messages and information to various modules
3) Data Manager - interfaces to the database of choice and handles data storage and retrieval
4) Processor Manager - routes the traffic to the current processor interface
5) Protocol Manager - manages the processor interfaces
6) Data Formatting Manager - formats the data into processor protocol standards
7) Communication Manager - handles the communications aspects of the program
Component Design Illustration
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