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Virtual Card Service


The explosive growth of the internet and ecommerce businesses has created a need for secure and reliable payment methods as well. Virtual Card Services (VCS) is a South African based merchant payment gateway focused on serving clients across South Africa. They have extensive experience with merchant payment gateways, having been established in 1996. Their current list of clients includes several of the largest South American companies and numbers in the hundreds.

The company is competitively priced, with a minimum monthly charge of R 145.00 for merchants with less than 15,000 monthly transactions. Those with 15,000 monthly transactions of more pay no monthly fee. In addition, there is an authorization fee which is volume dependant and starts at R 0.50 and gradually decreases to as low as R 0.17. Finally, there is a settlement fee which also ranges from R0.50 to R 0.17 plus a percentage of the value of the transaction which varies from 0.50% to 0.17% depending on monthly transaction volume.

The payment gateway provider offers processing for Visa, Mastercard, Discover, Diners Club, JCB, and American Express credit cards.

The company provides extensive security through their 128 bit encrypted SSL connection, Thawte certified servers and tight physical server access policies. They also offer MasterCard/Visa International 3DSecure protocol to further protect merchants from fraudulent credit card uses. PCI compliance is handled through the PCI DSS Self-Assessment Questionnaire.

VCS has been growing steadily and expects to become the leading payment gateway solutions company in South Africa in the near future. VCS is a Reserve Bank Registered System Operator and a Member of Association of System Operators.

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