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I'm going to release a Multi-vendor online shopping portal very soon. For that I need a payment gateway of my own so that I need not to compromise with the hefty charges of India Payment gateway companies whose Set up fees costs a bomb and TDR rates are always sky high. My far as my project is concerned, I will need my own Payment gateway because I have to employ the Final value fees accordingly. So if I have my own Payment gateway, I will be free from the hassles of TDR rates and thereby, I can offer a low Final Value fees to the customers. Example: If I have a payment gateway, I can offer a Final value fees of 2% on a item “X”. But if I use a gateway from some Indian companies, the Final value fees will become 2+3.5% that includes the charges of Gateway Company as well. Ultimately, it will not be favorable for my customers.
So I want a Payment gateway that can accept all the major Credit and debit cards. Also, please keep in mind that Credit card users in India can be found once in a blue moon. So the Payment gateway should be capable of accepting their ATM-cum-debit cards issued by their banks (viz: VISA, Master Card and Maestro). Also there should be some provisions for Credit cards users as well. I’m not asking program it as similar to Ccavenue gateway but it should work like 2checkout Payment gateway because it’s capable of accepting Indian Debit cards as well. It should be secure. Withdrawing money to my bank account should be easier.
I will not issue this gateway to any third parties and will be solely used by me. It should have some professional look and should be SSL cert compatible.
Since I've already invested a lot on the Multi-vendor cart, I've gone in a tight budget for this project. So I want the project to be accomplished in Rs.6000-8,000. I’m not in a hurry. So you can take your time to complete the project.