3Delta Systems vs CenPOS for omnichannel credit card processing with level III data

How do these secure payment platforms compare for omnichannel merchants credit card and debit card processing? This is a follow up article to the last review which highlighted electronic bill presentment and payment.

Payment Gateway Features As Listed on 3 Delta Systems 8/5/2014

Payment Channels Supported 3 Delta Systems
 Online Payments checkmark yes checkmark yes
 Batch Upload checkmark yes checkmark yes
 EBPP- electronic bill presentment & payment checkmark yes checkmark yes
Retail Swipe checkmark yes
 Mobile checkmark yes

3Delta and CenPOS are both integrated into various software and ERP solutions, and both support level III processing, critical for business to business (B2B) merchants. ACH and RDC are also supported for check processing.

CenPOS notes: Tokens created on the CenPOS platform are shared across all channels and optionally across all merchant locations, per merchant defined rules. Level III processing is available via all channels except mobile, due to the limited screen space on mobile devices. Signature capture is supported for retail. Integrations available

Processors* 3Delta CenPOS
 First Data Merchant Services – North checkmark yes **
First Data Merchant Services – South checkmark yes
First Data Merchant Services – Nashville checkmark yes
Global Payments – East checkmark yes
Paymentech checkmark yes checkmark yes
TYSYS* checkmark yes checkmark yes
Vantiv checkmark yes checkmark yes
WorldPay checkmark yes checkmark yes
Elavon checkmark yes
Moneris (includes Canada) checkmark yes
Valitor (Europe +) checkmark yes
Grupo Evertec Panama checkmark yes

* Using TYSYS, merchants can connect to most USA processors, even if not shown, or if shown with a red ‘No’ symbol.

** Connectivity to First Data varies by merchant need

CenPOS is certified for level III processing for all processors listed; not applicable for Valitor and EPX- level III processing rates not available outside US.

About 3 Delta Systems Inc. – based in Chantilly, VA – is a payment solutions company whose innovative, Internet-based systems for processing credit cards and purchase cards deliver peace of mind to B2B and B2G customers by increasing their productivity, cutting operating costs, lowering business risk and strengthening security.

About CenPOS – “Creating efficiencies through payment innovation”
CenPOS is a merchant-centric, end-to-end payments engine that drives enterprise-class solutions for businesses, saving them time and money, while improving their customer engagement. CenPOS’ secure, cloud-based solution optimizes acceptance for all payment types across multiple channels without disrupting the merchant’s banking relationships. Call (954) 942-0483 for authorized reseller Christine Speedy.

zip code, address verification and cvv code validation responses

avs code responses

Above are all the possible responses for credit card address verification, in a screenshot from the CenPOS merchant parameter manager, where administrators can set rules and automatic alerts to mitigate fraud risk. Zip code and CVV each have additional response options.

Ever wondered what the possible responses when a merchant does a credit card address check? For card not present transactions, performing fraud checks can mean the difference between lost disputes and managed risk. Payment gateways vary widely in the response data returned to a merchant. For example, PASS, FAIL, and UNCHECKED, provide little information for a merchant to make an educated decision about whether to approve a transaction.

Payment Gateway Fraud Tools To Look for:

  • What responses are possible? What depth of information is available to review?
  • Can merchant automatically decline a transaction, but allow a supervisor to override?
  • Can merchant automatically send real time alerts to management of potential risky transactions?
  • Are there other fraud tools that can be used as part of the transaction review?
  • What services cost extra, and what are standard?

Equally important is the ability to automate activating different tools for different situations. For example, if a merchant switches between card present and swiped transactions.

Is it OK for sales reps to collect credit card data?

secure credit card salesman token biulling

If salespeople accept credit cards, instead of writing down credit card data on paper, sales should immediately process the transaction or enter sensitive payment data into a secure payment portal to encrypt and tokenize for future use.

What’s the best practice for sales reps to collect credit card data? This question primarily pertains to business to business companies, where billing may be done later by the credit or finance department. The initial sale, and possibly future sales, requires a credit card. 

Option 1: Eliminate sales from ever touching credit card data. This can be achieved by:

  • Creating an online payment page. The customer self-creates an account and manages their payment data, including whether they want to store it.
  • Using a ‘request for payment‘ service. This is a slimmed down version of electronic bill presentment and payment ( or EBPP Lite). The user enters whatever customer data management requires, including email or mobile number, invoice number, and amount due. The customer immediately receives a link to a unique secure URL to make the payment.
  • EBPP – there are multiple methods to send an electronic invoice for the customer pay, both integrated and non-integrated. This may be less desirable for new customers

Option 2: If the salesperson physically meets with the customer, use an enterprise mobile payment solution to include card reader, point to point encryption, tokenization, and data management for both card present and card not present transactions.

It’s much harder for merchants to maintain PCI compliance while mitigating risk of losses due to disputes or fraud, when sales uses alternative methods, including paper authorization forms.

CenPOS Brings Payment Innovation to Latin America with Evertec Certification

PRWEB.COM NewswireMiami, FL (PRWEB) July 22, 2014logo cenpos latam merchant gatewayToday CenPOS announced a new certification to Grupo Evertec Panama. The certification includes card present, card not present, ecommerce and mobile processing. In addition, CenPOS also signed a referral agreement with Banesco. Merchants domiciled in Panama utilizing Banesco’s merchant acquiring services will be able to utilize the CenPOS processing platform and its full suite of services including but not limited to Mobile processing, Electronic Bill Presentment and Payment, integrated shopping carts, tokenization, integrated business solutions and Point-to-Point encryption.

“We continue to expand our network of acquiring services internationally, this will help our current and future clients alleviate their logistical challenges with their treasury management services,” said Jorge Fernandez, Chairman and Co-Founder of CenPOS. “The LATAM region is very diverse and very complex, very few ERP’s and POS systems are integrated with the local merchant acquirers, we at CenPOS are working hard at solving these issues by connecting to the local acquirers in each country and providing our clients with a single source solution globally,” added Fernandez.

Today CenPOS is certified to processors that are connected to financial institutions in the following countries:

Antigua and Barbuda
Saint Kitts and Nevis
Saint Lucia
Saint Vincent and the Grenadines
United States
Western Europe

About CenPOS

CenPOS is a merchant-centric, end-to-end payments engine that drives enterprise-class solutions for businesses, saving them time and money, while improving their customer engagement. CenPOS’ secure, cloud-based solution optimizes acceptance for all payment types across multiple channels without disrupting the merchant’s banking relationships. For additional information please call 877.630.7960.

cenpos LATAM sales

3 Reasons A Desktop Credit Card Terminal Is A Poor Merchant Solution

Last week I visited multiple merchants that sell products and services  business to business, most of them whom never see their customers. They all had desktop terminals.


The FD100ti by First Data is a good quality retail terminal, but I wouldn’t recommend for business to business, card not present merchants.

3 Reasons A Desktop Credit Card Terminal Is A Bad Solution For Business To Business Merchants

  1. PROFITS REDUCED: It doesn’t support level III processing, critical for business to business merchants to save money on merchant fees.
  2. INCREASES RISK: It cannot store and tokenize credit card numbers for repeat billing so either card data is stored on paper forms or employees get the number over and over again, either way exposing the card number repeatedly.
  3. INEFFICIENT:  Employees have to key enter full card data every time for repeat customers; data records are limited to whomever has access to accounting software, or waits for reports to be generated and disseminated.

Tip: There are no desktop terminals that support level III processing. Merchants need a virtual terminal or integrated payment solution that supports level III processing.

Top 10 Credit Card Processing Companies revisited 2014

Since the last official list of top 10 credit card processing companies, based on 2004 data, not much has changed with our updated list.

The Ten Largest U.S. Merchant Acquirers in 2012, ranking by processor volume, including partnerships and alliances.

  1. First Data  (includes Wells Fargo)
  2. Chase Paymentech Solutions
  3. Vantiv (Fifth Third Bank)
  4. Elavon (acquired Nova Information Systems)
  5. Global Payments
  6. Total System Services Inc
  7. Heartland Payment Systems
  8. WorldPay
  9. Transfirst
  10. iPayment

2012 Data Source: The Green Sheet. This list includes acquirers and ISO’s, or independent resellers.

The Ten Largest U.S. Merchant Acquirers in 2004, Excluding Partnerships and Alliances, RANKING by DOLLAR VOLUME
1. Chase Merchant Services
2. BA Merchant Services (Bank of America)
3. First Data
4. Paymentech
5. Nova Information Systems
6. Fifth Third Bank
7. Global Payments
8. Wells Fargo
9. First National Merchant Solutions
10. Heartland Payment Systems

2004 data Source: Nilson Report