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EC-Zone: Browser-based virtual payments


EC-Zone is a virtual payment system designed for manually processing purchase card and credit card payments.

Use your existing system with no special hardware or software. All that is required is a web browser and internet access. EC-Zone is fully integrated into Payment WorkSuite, a high-performance payment platform that gives businesses of every size the ability to manage the increasing complexity of payment and data security requirements.

Use EC-Zone as a stand-alone application, or add other components of Payment WorkSuite — CardVault, EC-Linx and EC-Batch — to fit your needs, with confidence that the applications will work together seamlessly.

And, with EC-Zone, you have the power to add advanced features to automate recurring payments, tokenize bank account or other data, or creating email Secure PayLinks for simpler, safer payment from your buyers.

Tough, flexible security

EC-Zone lets you streamline your PCI requirements by storing and managing card data in 3DSI's dedicated network and world-class data centers.

Identify and intercept threats — from inside or out:

  • Apply customized checks, restrictions and tolerances to alleviate or avoid costs associated with high-risk transactions. Set your own transaction processing thresholds.
  • Create unique login credentials and assigned permissions for each user to control their level of access.

Fast, convenient processing

With EC-Zone’s real-time processing, the card is verified and the transaction is authorized in seconds. And that’s not the only way you’ll save time. With EC-Zone you can:

  • Store customer and cardholder profile information for reuse.
  • Begin a transaction by copying a prior one. Modify just the information that needs to be changed and send it through.
  • Populate line-item fields on the fly with predictive type-ahead search that draws from previously entered information.

And your customers automatically receive email transaction confirmations.

Simple setup and management

You can completely avoid software setup, as 3DSI hosts the application and delivers it to you via "software as a service," or SaaS. This means you can be up and running quickly and leave 3DSI to manage service and security updates, training and other maintenance. This is a superior practice over using a software-based payments system.

Broad acceptance and support

EC-Zone supports all major card brands: Visa, MasterCard, American Express, Discover, Diners Club and JCB.

Supported platforms include:

  • American Express CAPN Direct
  • Elavon
  • First Data
  • Global Payments
  • Paymentech
  • TSYS Acquiring Solutions
  • Vantiv
  • WorldPay

Powerful advanced features

It's powerful out of the box, but EC-Zone also supports a number of additional advanced features appealing to some business models.

  • Secure PayLink: With the Secure PayLink, suppliers can instantly generate a pay-by-email link to send their buyers, eliminating the need for the supplier to take card numbers by fax or phone. It can also mean faster payments.
  • Data tokenization: Use tokens to secure store DDA (bank account) information, or use the flex field to tokenize any data.
  • Recurring payments: Schedule monthly subscriptions or other recurring payments with ease.

Custom branding

Merchants can add their logos to transaction receipts issued to their customers for added polish and brand recognition. Other customization options are available too:

  • Use your logo in place of the Payment WorkSuite logo throughout the application.
  • Change the default color of your portal to one of three stock color schemes.
  • Let us create a custom log-in URL that ties the portal closely with your company’s website URL.

Most customization services carry a simple one-time fee.

Interchange rate discounts

For B2B and B2G purchasing cards, you can get the best rates available by using EC-Zone’s Level-3 line-item detail on transactions. And the application supports card association security requirements, like address verification, needed to qualify for lower cost interchange rates. Learn more about 3DSI’s Level-3 support.

American Express Direct

With EC-Zone, you can process your transactions directly with American Express, giving your AmEx customers a faster, simpler and safer transaction. American Express Direct also qualifies your business for the lowest available interchange rate on transactions with enhanced data.

How it works

EC-Zone Process Flow

  1. Order Entry – Transaction information and payment card data is entered into the merchant’s ERP order entry or billing system where it is stored for later processing.
  2. Transaction File Transmission – The merchant’s ERP, order entry or billing system sends an encrypted file containing transaction information and payment card data to 3Delta Systems via EC-Zone.
  3. Authorization Request – 3DSI sends transaction information and payment card data to the card network for processing.
  4. Authorization Response – The card network provides 3DSI with the transaction results.

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