EBS.in – Payment Gateway Service Provider in India

E-Billing Solutions (EBS), is a Chennai based payment gateway service provider. EBS specializes in on-line risk & fraud management. Payment Gateway is a service that allows merchant to accept secure credit card transactions on-line. EBS provides complete, simple and secure on-line payment gateway services and e-business solutions to websites, with real time credit card transaction validation. This enables the websites to transact and accept payments on-line and in real time.

EBS offers different solutions for businesses including Direct Merchant account with financial institutions like Axis, HDFC & Citibank. EBS Payment Gateway makes available multiple options to acquire on-line payments on a single platform. Merchants can thus acquire payments from India as well as abroad. On-line customers can now choose convenient modes of payment ranging from Credit Cards, All Maestro/Cirrus enabled Debit cards, Net-Banking facility from leading banks in India, E-cards, Cash Card payments, Mobile-commerce, etc..

EBS is the first Indian merchant account provider to achieve the PCI DSS 1.1 Standards of Compliance. The PCI Security Standards Council is an open global forum for the ongoing development, enhancement, storage, dissemination and implementation of security standards for account data protection. EBS uses  the best industry-standard 128 bit SSL (Standard Sockets Layer) Verisign Technology, which ensures the security of the data. EBS takes fraud protection for its merchants seriously and EBS have a state-of-the-art risk management system, which conducts 600+ checks against each transaction to track the behaviour patterns of fraudsters.

How an on-line Transaction takes place?

  • Step 1: Customer select and adds item in the shopping cart And places the order on your (merchant) website.
  • Step 2: Customer selects to pay via credit card .
  • Step 3: Customer is redirected through  Payment Gateway to Transaction Processing Bank.
  • Step 4: Customer enters credit card details on Secured Payment page.
  • Step 5: Credit card information is transmitted securely to the corresponding bank for approval.
  • Step 6: Corresponding bank sends appropriate information to the transaction Processing bank.
  • Step 7: The result is forwarded to Payment Gateway (via the Transaction Processing Bank).
  • Step 8: Customer receives a confirmation and is redirected to your (merchant) website.


EBS  uses seven server architecture model which helps in better encryption of data which protects the clients information. All the customer’s credit card authorization is done using the high-tech Axis, HDFC and Citibank’s secure servers and the same is encrypted before it is transmitted over the Internet to the Acquiring Banks. Additionally EBS servers  are behind security firewalls to ensure maximum protection of your customer’s information. This guarantees that your information is inaccessible to any third party.

EBS processes the following payment options:

  • Credit Cards – Master Card, Visa, Diners Card
  • Debit Card – Axis Bank, HDFC Bank, ICICI Bank, Deutsche Bank, Karur Vysya Bank, Citibank, State Bank of India, Indian Overseas Bank, ING Vysya, Corporation Bank
  • Net Banking Options – Axis Bank, HDFC Bank, ICICI Bank, J & K Bank, Citibank, Federal Bank
  • Cash Card – ITZ Cash Card [source: EBS]

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