For payment of transportation or other ancillary services via Internet Points of Sale (IPOS) against bank cards of international payment systems, TCH offers to agencies and sub-agencies to use fit-for-all payment solution based on TCH Payment gateway (e-commerce technology). Payment gateway functionality supports several forms of payment, i.e. payment against bank cards and other payment methods.

Moreover, Internet-based payment solution developed by TCH enables payment for transportation issued on ATSS STDs, as well as other ancillary services provided to clients, e.g. agency service fees, insurance and airport transfer services (Aeroexpress services as an example), air services booked outside TCH neutral session, etc.

Benefits of TCH Internet Payment Solution

  1. When issuing air services on ATSS STDs, payment against bank cards is performed with “PK” FOP suggesting that agency will not pay card maintenance fees in terms of transportation value (including fare, AGC, and ZZ tax).
  2. Agency is not required to conclude separate agreements with banks or processing companies as sales arrangements and settlement are performed under contractual relations with TCH;
  3. TCH undertakes to arrange handling of card claims received from payment systems;
  4. TCH Internet payment solution employs intelligent automated system for scam risk assessment (fraud monitoring) and cardholder authentication technology (3D-Secure) enabling to cut down fraud risks and pass them to issuing banks;
  5. Agency is offered a convenient and comprehensive back-office system for payment gateway integrated in reservation system enabling users to control transactions and payments, display detailed information and receive prompt payment reports;
  6. For refunds, settlement with cardholders is performed automatically and processed in payment systems on the next banking day, once the refund transaction is performed in reservation system.

How to connect service

  1. Apply for accreditation/extension of accreditation rights of Internet point of sale (IPOS) supporting PK form of payment;
  2. Sign model Additional Agreement to effective Model Agreement TCH – Agency Acquiring-Agency/12 (and Additional Agreement Bank Card-Internet-Agency/12 in case of payment and issuance of agency service fees or other charges via IPOS). Contacts: TCH Customer Relations and Contracts Department, Phone: + 7 (495) 788-12-23, E-mail: do@tch.ru;
  3. Receive from TCH a set of documents (questionnaires and applications) essential for website registration in payment systems, as well as relevant manuals. Contacts: Plastic Cards Department, Denis Golubev, Phone: +7 (495) 660-19-77, E-mail: ORPK@tch.ru;
  4. Submit to TCH a list of Agency authorized officers to access payment gate back office for payments review and management;
  5. Integrate website software with TCH Payment gateway;
  6. Develop a beta-website for TCH testing;
  7. Make one-time payment of 3,500 Rubles per one IPOS (VAT inclusive) for TCH parameterization services (registration of IPOS in payment systems).

After testing of IPOS, TCH issues IPOS Qualification Certificate. If the agency shows successful testing results and the website meets all TCH requirements under above mentioned Additional Agreement Acquiring-Agency/12, TCH arranges commissioning of bank card payment system in the  IPOS.

3D Secure in Brief

3D Secure technology is a part of global programs Verified by Visa by Visa International and MasterCard SecureCode by MasterCard Worldwide developed for providing and support secure and reliable payment tools for products and services within global Internet network.


 

Globally, more than 15 million holders of Visa and MasterCard cards are dedicated users of Verified by Visa and MasterCard SecureCode products when purchasing via the Internet. Currently, the 3D Secure technology is embedded in over 40 thousand Internet shops and over 15 thousand banks throughout the World.

3D Secure technology has proved to be the most advanced standard for secure transactions, allowing to zero the fraud risk by virtue of mandatory authentication of card holder at the time of purchase. This authentication takes place at the Issuing Bank special server. In order to be authenticated, a Customer is required to enter login and password being in his strict personal domain. Therefore, regular credit card data such as number or validity, which can be “intercepted” by a fraudster, will be insufficient for an Internet transaction. Moreover, safe data transmission is secured by Secure Sockets Layer protocol (SSL) 3.0. Data is exchanged via closed networks of maximum protection level and compliant with PCI DSS audit. Capturing, processing and storage of customer confidential data (card details, registration data, etc.) are performed by processing centre holding PCI DSS certificate. 

Contacts

In case of any questions related to Internet acquiring and card payments for air services, please contact TCH Plastic Cards Department:

           phone: +7 (495) 660-19-77, ​ E-mail: ORPK@tch.ru
           Head of Plastic Cards Department - Alexander Golovkin​