nd B2C e-commerce transactions.This will be the first payment gateway tailored to meet Indian requirements and will not be subject to all the regulatoryconcerns that cloud other non-India based payment gateways. The gateway offers the flexibility of multiple payment modesincluding credit, debit and smart cards, direct bank debits and e-cheques. The ICICI e-commerce payment gateway will launcha state-of-the-art internet payment system and is set to open the world of e-commerce to many more merchants, consumersand businesses in India by significantly lowering the cost and complexity of enabling secure transactions over the Net .Thecustomers credit card number will be protected through hardware cryptographic devises so that the only information availableto merchants is a code. This will substantially reduce the capital costs of merchants. "Failing to plan , is planning to fail." ...