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GPG is an eGovernment Shared Service acting as a centralised payment service that meets the highest industry security levels to provide citizens with a consistent and uniform experience while effecting payments online. GPG makes use of the provider-initiated online payments model.
Integration to the service is facilitated by the provision of an Application Programming Interface (API) that provides a line of business applications and websites with the necessary functionality to:
- Process an online payment – Allow clients to enter credit card details and complete a transaction.
- Retrieve payment details – Verify payment by retrieving the status and all relevant information about the payment.
- Refund processed payments – Refund functionality can be implemented to revert the funds back to the clients account.
- Settle Payments – Settle Pre-Authorised Payments so that the funds are withdrawn from the clients account once a condition is met.
For more information on how to implement the above functionality, kindly refer to the Knowledge Base in the Reporting Portal.
Different Types of Transactions
GPG provides two main types of transactions that can be used in the Provider-Initiated Online Payments Process Flow. These Include:
When using the Sale as a payment method, the funds are immediately withdrawn from the client’s bank account and deposited into the Merchant’s bank account, as long as the payment status is successful. Service Providers can still refund the payment should the need arise either through the GPG reporting portal (permission needs to be granted for such functionality by raising an eRFS as explained in section 8) or through direct integration of the refund functionality.
When using the Pre-Authorisation, the funds are not immediately withdrawn from the client’s bank account. Instead, funds are withheld by the bank until a specific condition is met. During this period, the client cannot make use of the withheld funds as these are unavailable for withdrawal. The Service Provider can then settle (complete the transaction and withdraw the funds) or cancel the payment (release the funds and make them available back to the client) according to the business needs.
The GPG also supports 3D Secure with the following colour coding used in the reporting portal:
- Green () – 3D Secure Fully Processed and hence transaction went through a full 3D Secure authentication.
- Red () – 3D Secure Eligible hence card used during the transaction is issued by a bank that supports 3D Secure but for some reason, the client’s bank bypassed the 3D Secure process. Merchant is not liable for any fraud.
- Black () – 3DS Not Eligible as the card issued by a Non-3DSecure supported Bank.
- Orange () – Enrolled thus user closed the page or took too long to complete the 3DS process.
Customization of inline Frame
Inline frame payments allow providers to keep end users with a seamless experience when conducting online payments by hiding most of the GPG look and feel and not redirecting the user to a different website. It is strongly recommended to make proper use of the style sheets provided to developers in order to customize online payments page to fully integrate the HPP to the native look and feel of the Provider’s website.
Once the integration with GPG is complete, Service Providers will have the option to request access to the GPG reporting portal to monitor incoming payments processed through GPG. This portal can be accessed through the following URL: https://apsp.biz/GPG/MITAPortal/Login.aspx
NB: MITA is in no way responsible for reconciliation activities to any Government or third party entity. MITA shall only provide access to reporting data provided by GPG, however, the use of such data for reconciliation is the Provider Account’s own responsibility.
Requesting Access to GPG Reporting
To request access to this portal, kindly raise an eRFS with MITA Service Call Centre for the creation of an Account for GPG reporting while specifying the provider ID and Provider name of the account to be accessed together with the username of the account to be created.
The following eRFS’s can be raised according to the business needs:
- GPG: Merchant Management specifying: Creation, Deletion or Modification in the eRFS
- GPG: User Management specifying: Creation, Deletion or Modification in the eRFS
Registering for GPG Service Provider Account (Test and Live)
The first procedure that needs to be done to integrate with GPG is to create the Merchant Accounts with the bank/s of your choice (mainly BOV and/or HSBC). Such merchant accounts tend to take a considerable amount of time to be created, thus it is highly advised to initiate this process as early as possible.
Once the Merchant Account details are available from the bank, the final step is to create a Test and/or Live Provider Account on GPG. A Service Provider representative together with the supplier must download the respective registration form from below to be filled in and raise an eRFS with MITA Service Call Centre on 25992777 or firstname.lastname@example.org. In case more than one Provider Account for a unique Service is required, a registration form must be provided for each separate Provider Account.
It is essential to always ask the banks for a 3D Secure enabled account.
For any other queries contact email@example.com