Etisalat Payment Gateway (EPG) is a comprehensive payment platform setup by Emirates Telecom Corporation (Etisalat) to offer electronic payment services within region. EPG is a next generation payment platform which not only processes transactions but also provides peripheral services of customers and transactions management. It connects merchants (sellers of products or services) in a secure manner with banks and financial institutions to process their transaction online. EPG facilitates online payments using different payment methods, e.g., Credit Card, Debit Card, Bank Account, e-Dirham, and e-Wallet using variety of channels e.g., Internet, IVR, Kiosks, Mobile, etc. It is built around Industry standards which enables integration with merchants and financial institutions quite easy. It uses state of the art PKI technology to secure payers, merchants and banks from fraud.