HBL IPG FAQs PDF
HBL IPG FAQs PDF
The diagram below illustrates the flow of payment information and funds from a merchant’s website
to their bank account.
The following steps explain how funds are transferred to your bank account when customer pays
through credit or debit card:
1. A customer submits the credit/debit card transaction to the Payment Gateway via a secure
connection from your website.
2. Payment Gateway receives the secure transaction information and passes it via a secure
connection to your bank’s processor (a financial partner that provides credit
card processing on behalf of the credit card associations, for example, Visa or Master
Card).
3. Your bank’s processor submits the transaction to the Credit/Debit Card Interchange (a
network of financial entities that communicate to manage the processing, clearing, and
settlement of credit card transactions).
4. The Credit/Debit Card Interchange routes the transaction to your customer’s Credit/Debit
Card Issuer.
5. The Credit/Debit Card Issuer approves or declines the transaction based on the customer’s
available funds and passes the transaction results back through the Credit/Debit Card
Interchange.
6. The Credit/Debit Card Interchange relays the transaction results to your bank’s processor.
7. Your bank’s processor relays the transaction results to the Payment Gateway.
8. Payment Gateway stores the transaction results and sends them to you and/or
your customer.
9. Payment for successful transaction will be made by the bank in the merchant’s designated
bank account
1. Real time integration with backend system – Your backend system is updated in real time
as soon as the transaction happens by using notification URL.
2. 3D Secure and PCI DSS compliant – Protects the merchant from financial liability shift in
case of card misuse. The PCI DSS compliance relieves the organization from card based data
security issues as this is taken care by CyberSource.
3. Multicurrency support – Right now payments in 5 top currencies (USD, EURO, GBP, AED &
PKR) can be settled successfully.
4. Recurring transactions – Allowing your regular customers to enter information once and
use it again and again during repeat visits. This can also be used for standing
instructions.
5. Fraud Management Module – Decision Manager has been an excellent fraud prevention
tool being used worldwide including large organization like Emirates airline etc. It detects
frauds patterns with the help of 260+ variables including IP, BIN, velocity, address and
advance features like Device finger printing.
6. Merchant Portal – Comprehensive portal gives access to transaction history, reports,
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Q: What are the basic requirements to avail HBL Internet Payment Gateway?
A: Following are the two basic requirements to avail HBL Internet Payment Gateway
In case of Pvt Ltd / Public Limited / Partnership, the age of the Owner / Chief
executive Officer / President / Executive or the person approved for financial
dealings with the bank, will be checked.
ACCOUNT
HBL account is mandatory in all cases at the time of boarding the account.
REQUIREMENT
If a customer already has an account and wants to utilize the same account,
then there is no need for opening a fresh account.
Account should be in the name of the business and not a personal account.
Accounts should not have any outstanding balance.
GEOGRAPHIC Karachi, Hyderabad, Lahore, Rawalpindi, Islamabad, Faisalabad, Multan, Sialkot,
CONCENTRATION Hunza and Gilgit.
Merchant discount rate is depending on your average transaction amount (expected online) which you will
inform us before onboarding.
Note: The above charges are exclusive of applicable taxes and can be amended on a case to case basis
depending on your business module.
1. USD.
2. EURO.
3. GPB.
4. AED.
5. PKR.
Q: How much time will bank take to transfer the order/transaction amount into my (merchant) bank
account.
A: It will take two working days from the date of transaction to reflect the order/transaction amount
into your merchant bank account.
Q: Are there any limits for number of transactions and transaction amount?
A: There are some limits on number of transactions and amount of transaction which varies from
business to business which are assigned by HBL’s risk department after reviewing your business
module.
Q: Does HBL provide any plug-in for integration of HBL Internet Payment Gateway?
A: No, HBL does not provide any plug-in for integration because of the risk that the plug-in may cause
malfunctioning and can effect merchant’s website performance. Moreover, there are multiple third
party plug ins available online which can be useful but it’depends on the merchant and whether they
want to use any plug-in for integration or do a customization.
How to Apply