The LPGW has the following components:

• The interfaces - which allow either Java-based or DCOM-based applications to communicate with the LPGW.
• The payment engine - this is commercial software (Innovate Pay-Central™) that processes the interface parameters and communicates with the payment processor's system.

A review of the Innovate Pay-Central™ API documentation will provide the interface information you need to know about LPGW implementation. Please be advised that this information is confidential and to be used as intended for this program only.

1. CREDIT/DEBIT CARD: LOUISIANA.GOV PAYMENT GATEWAY

An LPGW enrolled merchant state entity may process customer orders and accept credit or debit card payments through the LPGW in a:

1. Card Present transaction: a customer comes to the agency front office or agency authorized dealer, makes the order for a product or service, and pays online by providing agency help desk personnel with credit or debit card information or by swiping a credit or debit card on a terminal.
    
2. Card Not Present transaction: Orders and payment information are received from a fax order, a mail order or telephone order ("FOMOTO"), through the Internet, or through an interactive voice response (IVR) system.
   

   To accept and process card payments, an agency may choose from a selection of payment solutions available with the Louisiana.gov Payment Gateway (LPGW). See the table below and click on the links for more information:

   Payment Solution	When Used	Solution Pricing
   Agency Originated Payment (AOP) - Customer Present	Card Present	No setup fee State Charge and Credit/Debit Card Processing Fees as set by Louisiana Department of the Treasury
   Customer Not Present - Credit/Debit Card	Card Not Present Internet IVR FOMOTO	No setup fee State Charge and Credit/Debit Card Processing Fees as set by Louisiana Department of the Treasury
   Electronic Funds Transfer / Automated Clearing House (EFT/ACH)	Customer's Checking or Savings is debited or credited, e.g., Direct Payment or Direct Deposit	No setup fee State Charge and Credit/Debit Card Processing Fees as set by Louisiana Department of the Treasury

   Card handling procedures for fiscal and business operations staff, card processing rates and how to compute for card proceesing cost is set forth in the statewide contracts administered by the Louisiana Department of the Treasury between J P Morgan Chase Central Banking Services, with includes the Central Banking Services Amendment 14 for VPN contract, American Express, Discover, and VISA/MasterCard through Paymentech.

   
   2. ELECTRONIC FUNDS TRANSFER (EFT)

   Agencies may originate electronic payments using ACH, a highly reliable and efficient batch oriented EFT system managed by the Federal Reserve Bank (FRB). There are two primary types of ACH that are available through the Louisiana.gov Payment Gateway (LPGW):

   Direct Payment transactions: a consumer authorizes an agency to automatically debit a valid bank account for payment. Examples include: Tax Payments, Fines, Penalties, Registration and Licensing Fees, Tuition Payments, and Utility Payments.

   Direct Deposit transactions: a consumer authorizes an agency to automatically credit a valid bank account for payment. Examples include: Payroll, Benefits, Refunds, Vendor Payment, and Federal Grant Distributions.

   The Louisiana.gov Payment Gateway service provides a payment capture solution for processing ACH transactions via the Internet. The Louisiana.gov Payment Gateway is a shared service that enables state applications to interface with and access the payment processing services provided by J P Morgan Chase.

   The Louisiana.gov Payment Gateway ACH enterprise service includes:
   • 24x7x365 support for the Louisiana.gov Payment Gateway
   • Reporting mechanisms for reconciliation of the ACH originations and exceptions.
   • Common API's for State agencies to be able to incorporate ACH payment functionality into their application(s)
   • Single point of modification for state specific business rules
   • Secure and confidential ACH transactions
     
     
   Other recommended reading:
   
   
   • OES ACH Implementation Package - Collection Application V 1.9  (Available to registered LPGW participants only)
   • LPGW Acceptance Process
   • ACH EFT Process and Diagram
   • LPGW Basic Functionality