E-Payment Suit 1
HHQ Internet Payment Gateway (IPG)
HHQ (IPG) is a merchant service provided by an e-commerce application service provider that authorizes credit card or direct payments processing for e-businesses, online retailers, bricks and clicks, or traditional brick and mortar. The payment gateway may be provided by a bank to its customers, but can be provided by a specialized financial service provider as a separate service.
A payment gateway facilitates a payment transaction by the transfer of information between a payment portal (such as a website, mobile phone or interactive voice response service) and the front end processor or acquiring bank.

Payment Transactions Processing:
This includes payment gateway features around processing of credit card transactions and eChecks, configuration of processing settings, handling of returns. With our system you get:
. real-time transaction processing API (credit cards and eChecks)
. batch transaction processing API (for recurring payment batches and bill payments)
.merchant on-boarding and processing configuration API
. automated decline recovery with integrated credit card account updater
. built-in support for ACH returns and chargebacks handling
.  virtual terminal to use in conjunction with APIs

Remittance and Residual Revenue Processing

This includes payment gateway features around merchant fees and merchant statements, as well as logic to calculate and share residual revenue with resellers and channel partners.
With our system you get:
. support for multitude of different merchant fees
. automated merchant statement generation
. multi-tier commission structures and multi-reseller revenue sharing
. automated funding of merchants and resellers over ACH
. management tools for review, approval and adjustments of merchant and reseller statements

E-Payment Suit 2
HHQ Mobile Payment Gateway (MPG)
We offer services for payment management and cash processing, both physical and electronic, from a ‘full service’ viewpoint, acting as a single partner for all stages of the process.
We are able to offer a full range of services ranging from the supply, installation and management of physical and virtual POS, ATMs, self-service counters, ‘smart’ devices for the administration of collection, up to corporate banking, e-commerce and digital wallet.
HHQ (MPG) is a mobile phone based e-payment and money transfer solution. It is a product of innovative ideas based on development for mobile and internet platforms, aimed to support payment for goods and services, deposit, withdrawal and transfer of money in an efficient and secure way.
In addition to that, the solution enables the realization of a large number if value add services such as utilities and bill payments, ticket sales, tax payments, mobile top-up, etc.

Solution Description
(MPG) is based on three-tier software architecture with centralized services management.
The latest technology implementation

Provides the following benefits
. Rich user interface capabilities
. Multimedia functionality
. Extensive connectivity
. Ove-the-air provisioning
. End-to-end security
Available Transactions
. Balance inquiry of mobile account
. Any card Payment
. Funds Load to mobile account
. Funds Payout from mobile account (at merchants or ATM)
. Funds Transfer to Registered User, to/from mobile or bank account
. Funds Transfer to Unregistered User
. Mobile customer registration
. Mini Statement\Purchase
. PIN Change
. Various range of VAS (bill payment, ticket sales, mobile recharge etc.)