These three requirements all needed to be delivered as part of a high-performance, entertaining—and enjoyable—online gaming site that fits into Loto-Québec’s vision of becoming a world leader in the responsible marketing of games of chance.
For account registration and management, Loto-Québec requested that credit cards be used as the primary tool for validating a player’s legal age (18) and proof of residency (Quebec). Once a player’s identity is validated, the account can be created and a player is offered several funding options. If a player chooses to fund their account using a credit card, several rule sets are applied:
- Only the credit card initially submitted can be used to fund the player account. If a player wishes to change the credit card on file, the profile has to be revalidated. If the new credit card failed, the account will be disabled.
- Credit card funding included a limit of two profiles using the same credit card and a limit of one credit card per player profile.
- Additional funding options were to include online direct debit and bill payment and disbursement of winnings was to be restricted to EFT (Electronic Fund Transfer) deposits only.
- The requirements also included that all payment processing be through a PCI DSS compliant payment gateway that supports a mobile ready hosted payment page, uses tokenization of cardholder data and provides comprehensive back-office reporting.
A Compliant Payment Processing Solution That Delivers Enhanced Player Experience in Regulated Markets
In order to deliver the demanding payment processing requirements for Espacejeux.com, Optimal Payments developed a fully customized end-to-end solution. For account registration, Optimal Payments integrated a third-party credit verification service into the NETBANX payment gateway. When a player submits credit card information during the account registration process, a request is sent to a third-party credit agency, where the credit card information is authenticated and validated if the player is over 18 and resides in Quebec.
A decision matrix was developed in collaboration with Espacejeux, and based on this matrix, Optimal Payments receives multiple return codes from the credit agency which are managed through the NETBANX gateway and return a “success” or “fail” ruling back to Espacejeux.com.
For account funding, Optimal Payments provided both standard gateway offerings and several customized integrations. For credit cards, the options were limited to Visa and MasterCard. For online direct debit payments, Interac Online® (2) was integrated as part of the solution.
For the bill payment option, Espacejeux requested the service of a major financial institution, which Optimal Payments also integrated into the payment processing solution. To meet the regulation criteria for funding disbursements, Espacejeux chose to use the NETBANX EFT functionality as the method to fund disbursements.
NETBANX Gateway—Secure Payment Processing for Online Gaming Operators
Integrated directly into Espacejeux.com gaming platform, the NETBANX payment gateway delivers all of the custom features developed, as well as a complete online payment processing and fraud management solution. To reduce PCI DSS requirements associated with maintaining player accounts and the storing of credit card data, Optimal Payments implemented a tokenization solution. Cardholder information is captured through a secure iFrame imbedded in the Espacejeux.com hosted payment page and is then processed in the NETBANX PCI DSS Level 1 compliant environment.
Using tokenization lowers the PCI liability of Espacejeux as it now stores a token rather than cardholder data in the player accounts, which is then mapped to the actual data in the NETBANX gateway. A secure mobile application was also developed, allowing players to have on-the-go access for funding their accounts by credit card with fail- safe measures in place that monitor for repeated, unsuccessful attempts at funding the player account.
Regardless of the payment option used, all transactions are consolidated through the NETBANX gateway. This allows for centralized processing and comprehensive reporting through the NETBANX back-office suite where all transaction data is captured and stored in real time. Reports can be queried ad hoc or scheduled to be run automatically and data can be exported in multiple formats. Through a comprehensive “customer profile manager” module, Espacejeux also has the ability to manually administer player profiles including enabling, disabling, and editing information. Available as a multilingual solution, Espacejeux chose to implement all the NETBANX services in both English and French.
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1 Tokenization is a process used in payment processing that converts credit card numbers into randomly- generated values (tokens).
2 Interac Online® is a regulated third-party service and national payment network that allows Canadians to access their money through ATMs, point-of-sale terminals, and online banking across Canada.