Now you can pay through Banque Misr e-payment gateway using American Express card, in addition to VISA, Master Card or Local Credit/Debit Cards

Payment Transactions' Flow

Cardholder will access merchant site using internet browser, collecting items or services into his shopping  basket

When cardholder finishes, he asks for checkout.  We have two different merchant types:

• Type 1 , the merchant web site contains checkout page where the cardholder places his card number The merchant site should therefore  support SSL (Secure Socket Layer)  to ensure site security
• Type 2 , the merchant web site routes the cardholder browser to checkout page hosted at Banque Misr , where SSL is supported and enabled.

The checkout page will send the transaction data including card information to the eT3 e-Payment gateway located at Banque Misr

· The e-Payment gateway will check the message, if the card is an AMEX card, then the e-Payment gateway will forward the transaction to AMEX system where it is processed.  (Other cards are sent to  VISA, Mastercard or Banque Misr Host Systems)

The reply is returned to the cardholder, again through eT3 Payment gateways located at Banque Misr.

Security Measures

• Cardholder data entry security : The checkout page is 128 bit SSL enabled, so all data exchange between cardholder browser and merchant web site, especially card information, is encrypted and secured
• All internet connections to and from Banque Misr passes through the bank Firewall system
• Merchants to Bank Connections should be from Systems having Static Real IP's Registered at Banque Misr
• Merchant - Bank Connection: Background connection between Merchant site and e-payment gateway site is 128 bit SSL enabled, and all data exchanged over that connection is s e cured.  Extra checksum validation rules are applied while authenticating both bank and merchant to each other.
• eT3 e-payment  to eT3 -X.25 gateways link: The link between eT3 e-Payment and eT3 -X.25 is over an internal LAN in the bank, so security is fully guaranteed.
• eT3 -X.25 gateway at Banque Misr to AMEX Office in Egypt : This link is X.25 leased line having the same security features as any normal AMEX Merchant Connection to AMEX System