Auckland's 2Day Internet has become the latest - and least expensive - ISP to offer the BNZ's Buyline real-time transactions service.
2Day managing director Peter Mott says the company is charging a flat rate of $30 a month for hosting customers to have their Website connected to Buyline. Set-up is $100.
Unfortunately, there has been no room to move on Buyline's $500 merchant "license fee" which apparently goes to developer Advantage Group. Mott says that while some of his clients have taken up Buyline and paid the fee "without question" some have baulked.
For such customers, Mott has unbundled one key Buyline feature and added it to 2Day's $5 monthly Securecard service. Securecard has up till now offered a secure server over which customer credit card details can be transmitted.
Now, by performing lookups on 2Day's own Buyline merchant account, it will be able to tell merchants whether the card cited by customers is issued and available for use and whether sums are available to the amount specified.
"It just gives merchants a bit more confident that they're not being handed a stolen card," says Mott.
Full access to Buyline's real-time payments service means funds actually be transferred to the merchant's bank account.
"It only works for Visa and Mastercard at the moment, and that's because Buyline doesn't support Amex and Diners," says Mott. "That's a real problem for us, because most of our clients want to use Amex to pay, because they're businesses. BNZ says support for Amex and Diners is imminent but they've been saying that for a while yet."
The other problem Mott has encountered is that his customers who are ASB Bank customers who tell their bank they want to take transactions or receive credit card details over the Internet have been told they must use ASB's own Access Online service, a competitor to Buyline. The solution? Don't tell the bank.