E-Commerce | I&M Webpay

The Lite option uses a hosted payment page which means minimal integration is required. This is ideal for merchants with limited technical resources. In addition, the payments are secure, for cardholders are redirected to I&M WebPay’s secure payment page. There is quick deployment, which simplifies integration and reduces deployment time. This tool is best for small and medium-sized websites.

The Enterprise option is ideal for medium and large websites. The compatibility is written in Java and .Net, it runs on any OS supporting a virtual machine. There is full integration, which allows complete integration of the payment process into your website. Furthermore, there is customization, which creates room for database storage, formatting, and development are fully customizable by the developer.

The Enterprise option is best suited for:

• Complex and large internet merchants.
• Merchants with very high numbers of transactions.
• Corporates with many payment channels.
• Websites that are developed using languages other than .Net and Java.
• Hardware and equipment (like kiosks) that require payments.

The DiVert link is ideal for businesses seeking to expand online sales and reduce transaction costs. It has personalized requests that send customized email payment requests to customers; the messages include the customer’s name, payment amount, timeframe, and optional invoice. There is no website or technical resources required.

DiVert is ideal for:

• Businesses selling offline, but need to be paid online. The merchant receives orders for their products or services in the usual manner and then sends a payment link to the buyers.
• Call Centre Payments: Securely complete bookings made over the phone or website by credit card.
• One-Off Payments: Ideal for promotional campaigns, conferences, etc.
• Recurring Payments: Suitable for utilities and other regular payments.
• Outstanding Payments: Cost-effective way to request payments for outstanding amounts.

Our key clients include Airlines, Hotels, Tours and Travel Companies, Retailers, Governments, NGO’s, Payment Service Providers amongst others.

A shopping cart is a software that allows website visitors to select, reserve, and purchase a product or service from an e-commerce merchant. It’s an essential part of a retailer’s online store that streamlines the online shopping experience.

Many e-commerce websites now use off-the-shelf shopping carts which are developed for various specialized industries.

This makes it easy for the website owner to start selling goods and services almost instantaneously once they have downloaded their preferred shopping cart. The challenge comes when they want to accept payments online since most of these shopping carts are only integrated with international payment solutions like PayPal.

I&M WebPay has now built plugins into the most used shopping carts, making it possible for local website owners to receive payments locally. The shopping carts we are integrated to are:

• Shopify
• Woo Commerce
• Open Cart
• Virtual Cart

In addition to the plugins, there are various APIs available that web developers could use to connect to the shopping carts. Currently we have about 15 merchants using the shopping cart plugins and they have all reported increased sales over the short period they have onboard. We need your help to spread the word so that we can onboard even more.

M-PESA has become widely accepted as a payment service over the years and has seen increased uptake among many businesses. I&M Bank has now introduced M-PESA Xpress which allows clients to accept M-PESA payments through their websites or mobile applications.

The new service improves the user journey when making M-PESA payments over the internet. A customer can shop for selected goods or services on a website or mobile application and complete the transaction seamlessly by inputting their M-PESA security pin on their mobile phone to authorize the transaction.