The service provides payment processing for e-commerce and other online transactions within Australia. It works through Australian banks to verify customer accounts and availability of funds, then completes credit card processing to transfer funds to a seller. Batching functions retry transactions that fail initially due to problems with a bank's processing system. Because it remains independent of banks, sellers can change banking relationships without reconfiguring online payment functionality.
API methods support payment submission using popular credit cards Visa, MasterCard, American Express, and Diners Club, among others. Methods interact with issuing banks to pre-authorize cards and verify available account balances, then obtain buyer confirmation and complete payment processing. The API also handles refunds for cancelled or returned purchases.