Are you aware that when you carry out online Idea recharge, there are about four to five key elements involved in the backend process that ensures that your personal information is safe?
Let’s start from the beginning. As a postpaid subscriber of Idea Cellular Network, you either use your browser or a relevant App for recharging. Once you input your Idea mobile number and select the appropriate tariff plan, you are then taken by the system to the payment page. Here you are required to first choose the payment mode. Once chosen, you need to enter the relevant information – card number, expiry and CVV in case of credit or debit card and bank account number, customer number and password in case of Netbanking. During this process of collection of payment related information, the user may be taken to another secure page or may be asked to continue on the same webpage.
When payment related information is typed into the system, the data first passes through the Payment Gateway. This technical system is first key element of the entire process and is also the one that needs to be strongly protected from unauthorized access. The payment gateway then passes on this sensitive information to a payment processor, the second key element in the process, whose main task is to check with your credit card company or the bank for the availability of sufficient funds to pay for the Idea recharge online.
If fund in your respective account is enough, the transaction is authorized by the payment processor. The authorization message is transmitted back to the Idea site or App via the Payment Gateway. Simultaneously the payment processor also instructs your bank to transfer the requisite amount from your account to the merchant’s account (the third key element).
E-commerce merchants like Idea Cellular that accept online payment by its subscribers against Idea recharge or bill payments, often require support of technical experts or companies that specialize in providing and operating the payment gateway and the payment processor services. These companies are called payment providers (the fourth element in the online payment process). Sometimes e-merchants take both the services from a single payment provider and sometimes two or more different service providers are used.
Some of the retailers or resellers in the Indian domain perform dual roles – in the first role, they don the cap of aggregators or resellers of services and products and on the other end, they become payment providers too. Few of the common retailers in the Indian e-commerce market today are Paytm, PhonePe and MobiKwik. Some of these aggregators provide for multiple types of payment gateways that have different features and price points. Payment providers are the ones that are responsible for providing security features to the entire online payment process – they ensure that the information that passes through the payment gateway and into the payment processor is encrypted so that no one, including the e-merchant, in this case Idea Cellular Ltd., can view the …