Gateway Payment

A gateway payment is a commercial service performed by a supplier who acts as an intermediary between a seller and a buyer, providing guarantees that their money transaction takes place in a legal and secure way. That is, a payment gateway facilitates a payment transaction by transferring information between a payment gateway (such as an e-commerce website, mobile phone app), the merchant’s bank/checking account, and the merchant’s sensitive data. buyer (credit card number, address, etc.).

 Dilameart.com  uses two different Payment Intermediaries:

1) Stripe

Stripe is a technology company that provides a software infrastructure that allows individuals and businesses to send and receive payments over the internet. Stripe is based in San Francisco, California and was founded in 2011. Today, Stripe is one of the leading payment structures worldwide used by most of the biggest companies such as Amazon, Google, Microsoft, Spotify. Currently it can be used in more than 40 countries and supports the conversion of 135 Currencies. The Stripe platform accepts Credit Cards, Debit Cards, International Cards and the most popular payment methods in the world (Visa, MasterCard, American Express, Maestro, etc.). Payment via Stripe is extremely secure. The Stripe payment system has been certified as compliant with PSD2 SCA (Strong Customer Authentication), which has become a European requirement since September 2019. Furthermore, this system has achieved PCI DSS Level 1 certifications, which means that their system meets payment security standards and helps protect customer data. Payments are protected with 3D Secure, an XML system that was developed to be an additional security method for all credit/debit card transactions made over the Internet.

Paying for your purchases on Dilameart.com via Stripe is very simple. Once you have chosen this payment method, just enter the details of the Card you want to use on the Checkout page of the Website and proceed by confirming the operation. It is also possible to register your Account on the site and enter the Card data only once. This makes the payment process even easier for future purchases. Stripe guarantees the protection of users’ sensitive data and, in the event of a refund / return, the refund procedure is very simple and fast.

2) PayPal

PayPal was developed and launched into the market as a service to transfer money in 1999 by the company “Confinity” which in 2000 merged with the online banking company “X.com” founded by Elon Musk. The X.com company took the name of “PayPal” in 2001 and expanded rapidly during the year leading its executives to make the PayPal service public in 2002. Over the years it spread to many countries around the world, rapidly establishing itself above all as a means of making payments online. From 2002 to 2015 it was a subsidiary of eBay until its spin-off and listing on the stock exchange in 2015. The basic idea of ​​the PayPal method is to carry out transactions without sharing card details with the final recipient of the payment: the in fact, the system does not transmit the sensitive data of the cards connected to the account, but only acts as a financial intermediary in the transfer of money. PayPal offers a “protection program” that protects the buyers and sellers who use it. The protection covers the full amount of the purchase (including shipping costs) if the object is not delivered or is significantly different from the description. PayPal also safeguards sellers through expanded protection against losses due to fraudulent payment and item not received claims. The company currently accepts payments in 24 currencies.

Paying for your purchases on Dilameart.com via PayPal does not necessarily require registration with PayPal (opening of an account/account on the website www.paypal.com). In fact, once this payment method has been chosen, a PopUp window opens which allows you to choose which Credit Card you want to use to make the payment “through the PayPal circuit” and then by entering the number and data of the Card you can proceed with the payment. However, since registration is free, it is advisable to register on the company’s website and open your own PayPal account using your e-mail address as your account identifier. This allows you to make or receive payments, transfer (send or receive) money by associating up to a maximum of 8 different credit cards to your account, top up your PayPal account balance from your bank account by bank transfer without being charged additional costs by PayPal. But above all, you can take advantage of the purchase protection offered by PayPal which allows you to open a dispute with the seller and receive a refund in the event of the return of defective products or other problems. Also in these cases, PayPal will act as an intermediary between the seller and the buyer to resolve these differences quickly.