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E-Complish Announces PaySecure Online PIN Debit Card Processing


There is no question that consumers who shop online are usually able to find better products and selections than in retail stores. So what about the consumers that are not shopping online? With the constant threat of identity theft, studies have shown that some consumers believe that online shopping/payments is still unsafe and unsecure. PaySecure seeks to solve this stigma, lower costs, and provide the merchant chargeback protection. 

PaySecure is a patented approach for consumers to pay for their online purchases or bills. PaySecure processes debit card payments using the card’s pre-existing PIN (Personal Identification Number). Simply requiring the entry of the PIN that the consumers already knows, the consumers is  quickly authenticate without the need for enrollment in a separate authentication service, a new password/onetime PIN, or redirection from the website the consumers is viewing. PaySecure is a software-only payment service that is integrated directly into an existing online pay page. Consumers enter their debit card information at checkout and if their card qualifies, the PaySecure graphical PIN-pad appears over the page providing for secure entry of the consumer’s PIN. Consumers enter their bank-issued PIN on the PIN-pad using their mouse, submit their PIN, and the transaction is processed as a true PIN debit.
From a merchant’s perspective fraud is reduced from PIN authentication. Charge-back liability is shifted to the bank issuing the debit card, and transaction fees are lower than signature debit, resulting in a significant reduction in overall cost compared to signature debit. PaySecure is the only card-based online payment method that secures funds from a customer’s bank account at the point of authorization, eliminating NSFs and re-presentments, further lowering administrative costs.
PaySecure allows the merchant to tap into the 220 million+ U.S. debit cards in circulation – allowing the merchant to provide a highly secure payment method for their customers that isalso cost-effective. Additionally, there are over 80 million debit cards in the U.S. that can only be used with a PIN. With PaySecure, the merchant can accept online payment from all debit card consumers. In fact, when given the choice, 55% of all consumers choose to use PaySecure rather than running their purchase as signature debit. Consumers prefer PaySecure because it makes them feel more secure about using their debit card online and it is a simple payment process. PaySecure brings the same security and familiarity of PIN debit online with a service that requires nothing more than a debit card and PIN.
About E-Complish, LLC
E-Complish, LLC is a privately owned corporation with primary offices in the Washington DC/Baltimore, MD metropolitan areas. E-Complish provides payment processing services such as ACH, PIN and Pinless debit card processing, Secure Vault Payments™, credit card processing, check verification, paper demand draft checks, internet payment gateways, online payment acceptance web services, developer API web payment interfaces, automated interactive voice response telephone payment systems, and in-house programming and consultation services for customized solutions. Our mission is to provide secure, reliable enterprise level payment processing products and services that create immediate return on investment. With proactive technical support and thousands of users, E-Complish has positioned itself to become a first choice payment processing platform for any industry.

Forward Looking Statements

Certain statements in this press release and elsewhere by management of the Company that are neither reported financial results nor other historical information are “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are not guarantees of future performance and are subject to known and unknown risks, uncertainties and other factors which may cause or contribute to actual results of the Company’s operations. E-Complish undertakes no obligation to publicly update any forward-looking statement, whether as a result of new information, future events or otherwise.


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