About Christine Speedy

B2B cloud payment acceptance solutions and CenPOS enterprise cloud payment solutions expert. Authorized reseller.

Level 3 Credit Card Processing Solutions

Level 3 processing requires payment solutions that can both send level data and dynamically optimize transactions to qualify for level 3 rates. Learn the secrets to higher profits right now. Were you told your last solution would fix your problems so you’d qualify properly? Have you been told with more training you could fix the problems to hit level 3? Hogwash! It’s not your fault, you just didn’t have an insider perspective until now.

Many payment gateways can send level 3 data, but the requirements to qualify for level III interchange rates are much more complicated than that. Do you perform preauthorizations? You know what happens when the preauth expires? Or when the final settlement is not the same as the preauthorization? These are just two of many reason merchants fail to qualify for level 3.

New rules for storing cards and using stored cards can also impact profits. Hint: If you haven’t made big changes to how you do this since October 2017, you’ve got a problem. Failure to comply with any rules negates rate qualification. If issuers are not sophisticated enough to catch all the rule breakers now, it’s only a matter of time. In the future, cardholders will be able to login to their bank and view all the companies that are storing their cards. So if you haven’t made the changes needed per new stored card requirements, that creates a problem for the long term goals in financial industry. Compliance will be enforced via penalties and potential assessments.

I’ve seen demo’s, heard sales pitches, and read the documentation on many payment gateways and virtual terminals. It’s not what’s there, but what’s not there that is most revealing. Before choosing a level 3 processing solution, get a demo. If you’ll be using a virtual terminal, use that for the demo. If you’ll be using an integrated solution, view the integrated solution demo.

The demo:

  • Store a regular card and business card. What methods are used to capture the initial card data? Then charge each card. Note the steps for each.
  • How does the solution manage reversals on preauthorizations?
  • What’s the process to identify and renew an expired authorization?
  • How can buyer complete a transaction with 3-D Secure?
  • Pull report to retrieve transaction.
  • Pull report with level 3 data.

Note how much of the process is automated, how much relies on people making decisions, and if any items are not available. Take screenshots. On a Mac it’s command + shift+ 4.

Want a payments expert as a silent observer? Ask me to sit in on the call for unbiased feedback.

Call Christine Speedy, PCI Council QIR certified, for simple solutions to complex payment transaction problems, 954-942-0483, 9-5 ET. CenPOS authorized reseller based out of South Florida and NY. CenPOS is an integrated commerce technology platform driving innovative, omnichannel solutions tailored to meet a merchant’s market needs. Providing a single point of integration, the CenPOS platform combines payment, commerce and value-added functionality enabling merchants to transform their commerce experience, eliminate the need to manage complex integrations, reduce the burden of accepting payments and create deeper customer relationships.

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How to fix Ingenico ISC250 Lane Closed ?

ingenico ISC250 & isc350 reset

Ingenico isc250 EMV chip and pin signature capture terminal.

The Ingenico ISC 250 touch and ISC 350 terminals will have a message ‘lane closed’ when not in use. To be more clear, the Ingenico terminals are slaves to software that tells them what to do. So the user must be logged into their point of sale (POS) solution, integrated software, or virtual terminal that drives the terminal.

If you’re logged in and click on SALE and the terminal still says lane closed, you need to do some troubleshooting. Is the terminal properly connected to the PC or device driving it? If this is a terminal that was previously known to be working, try swapping cables with another if available.

If you still have a problem, contact your Point of Sale provider. If you’re a CenPOS user, call support at 877-630-7960.

For PCI Compliance, only PCI Council QIR certified professionals are allowed to touch or install terminals for level 4 merchants. Do not allow unauthorized outside vendors to physically touch your terminals.

3D Merchant Services provides payment processing technology merchants need to drive Ingenico and other EMV chip terminals, with full cashiering, and without the need to purchase any additional POS software. The credit card processing terminals can be operated with a secure virtual terminal or with integrated solutions that keep merchant POS applications out of scope for PA DSS. Many recent merchant data breaches have occurred from applications that were in scope for PA DSS. By segregating payments from POS applications, merchants can increase security while reducing compliance burden. Merchants have the option for point to point encrypted (P2PE) terminals and solution or optional Validated P2PE service; the latter requires extra steps for merchants and significantly reduces PCI compliance burden with an SAQ that’s about 90% shorter.

Call Christine Speedy, PCI Council QIR certified, to purchase terminals and retail solutions, 954-942-0483, 9-5 ET. CenPOS authorized reseller based out of South Florida and NY. CenPOS is an integrated commerce technology platform driving innovative, omnichannel solutions tailored to meet a merchant’s market needs. Providing a single point of integration, the CenPOS platform combines payment, commerce and value-added functionality enabling merchants to transform their commerce experience, eliminate the need to manage complex integrations, reduce the burden of accepting payments and create deeper customer relationships.

 

Hotel credit card authorization rules compliance fact check

Identify if your hotel is compliant with authorization rules impacting profits and risk in just a few minutes. Card absent rules for card acceptance changed dramatically since April 2017, and in particular for the hotel and lodging industry. Rather than detail the complexities from over one thousand pages of official card acceptance rules, here’s some easy ways to identify if you have a problem.

Any of these fees on merchant statement indicate authorization problems needing correction:

  • Misuse of authorization
  • Standard / STD (any)
  • EIRF
  • Data rate I, (any) i.e. Corporate Data Rate I
  • Chargeback reason: FRAUD TRANS-NO CARDHOLDR AUTHORIZATION
  • Chargeback reason: Compliance

All bullet items have avoidable penalty fees due to authorization issues. Any time that happens, you pay penalty merchant fees and risk chargeback. Even if you usually win chargebacks, it’s an inefficient use of time. This quick fact check is just a tiny piece of rules changes I’ll help you get compliant with.

MasterCard began charging a 0.25% penalty fee, on top of other fees, in 2018 for non-compliance with Final Authorization.

How can merchants fix authorization problems? Transaction management technology, including for managing authorizations. Most problems are due to payment gateway limitations, but could also be outdated or improper payment gateway integration, or some specific piece of software limiting payment gateway functionality. Payment gateways often struggle just like merchants to keep up with the fast pace of changes in payment processing, so while the solution still works, it’s just not helping merchants to maximize profits and minimize risk.

Our suite of cloud commerce solutions solves authorization and data breach risk from credit card authorization form problems:

1.       Sales invoices, deposit needed. Sales can push out deposit request via text or email; customer self-pays, authenticates identity, and stores card (if needed). This is a much more professional interaction. Nobody likes paper credit card authorization forms due to risk of identity theft.

2.      Direct bill accounts. With our quick invoicing, accounting can upload an invoice and we take over the delivery, payment collection, security, authentication etc.

3.     Third party authorization form. Forget the paper. Our online form checks all the boxes you need to get compliant with card acceptance rules, protect against fraud, reduce PCI Compliance scope, and mitigate data breach risk.

Available as SynXis integrated solution or standalone. Keep your current Point of Sale service provider. Our solutions fix problems that haven’t been addressed for a decade- getting cardholder data out of the hands of employees and systems while shifting fraud liability risk to issuers. Plus, our optional 2-Way texting is a game changer for Guest Services, concierge, and sales.

Still not sure?

  • Quick and easy to get started.
  • No capital investment.
  • Proven to boost customer satisfaction via follow up surveys and increased sales.
  • Differentiate your brand with higher security.
  • Highest PCI compliance security certifications
  • GDPR compliant
  • Since the issuer is guarantees payment with cardholder authentication, it’s actually cheaper to process some credit cards!

What are you waiting for?

Call Christine Speedy, PCI Council QIR certified, for hotel Online Credit Card Authorization Form solutions at 954-942-0483, 9-5 ET. CenPOS authorized reseller based out of South Florida and NY. CenPOS is an integrated commerce technology platform driving innovative, omnichannel solutions tailored to meet a merchant’s market needs. Providing a single point of integration, the CenPOS platform combines payment, commerce and value-added functionality enabling merchants to transform their commerce experience, eliminate the need to manage complex integrations, reduce the burden of accepting payments and create deeper customer relationships.

Online credit card authorization form

An online credit card authorization form enables a business to charge a credit card one-time or for recurring purchases. Looking for a PCI Compliant authorization form meeting 2018 and 2019 standards? Read on.

Online credit card authorization form options:

Hosted pay page. The merchant directs customers to web page to pay any invoice or store card for future payment online. For maximum reduced PCI burden, send customers directly to the 3rd party payment gateway web URL. The gateway may or may not be the same as your processor. NOTE: If hosting on your own web site with an embedded payment (iframe) object, acceptable implementation methods for PCI requirements have changed;  any old forms should be updated.

Electronic Bill Presentment & Payment. (EBPP or EIPP) This is basically a proactive version of the above. Log in to a gateway web portal, and send a payment request via text or email which the customer clicks and pays. Whether integrated or standalone, we have options to include the invoice as an attachment. No login required to make a payment, but a customer portal is also included.

All the major payment gateways include a Virtual terminal, hosted pay page, and shopping cart checkout capability, tokenization to store card data for future orders. Some, including CenPOS also offer EBPP. So how do you differentiate your choices?

Critical elements online credit card authorization form:

  1. Must not be able to decrypt and view the security code and or sensitive cardholder data.
  2. If only authorizing and not capturing (settling) final amount immediately, must comply with Visa 5.8.3.1 Authorization Amount Requirements. The Merchant must use the Estimated/Initial Authorization Request indicator for the first transaction,
    then the Incremental Authorization Request indicator for interim if applicable, and Final Authorization Request indicator when closing out the transaction; the same Transaction Identifier must be included for all Authorization Requests. A reversal of extra funds must be completed within 24 hours of final settlement. These are tough questions the average salesperson probably can’t answer. Work with a professional that knows the rules.
  3. Stored cards. Are you storing cards for any type of ongoing charges?
    PCI Compliant credit card authorization form

    Partial PCI Compliant stored credential authorization form.

    Comply with Visa Rules Table 5-20: Requirements for Prepayments and Transactions Using Stored Credentials. There are too many variables to list here so I recommend downloading the rules and getting familiar or call us to save time. When capturing card data for the first time:

    • Obtain express consent per specifications for your refund and cancellation policies, how you’ll use the stored card, when your agreement expires and how the Cardholder will be notified of any changes to the agreement.
    • Perform a cardholder verification either via transaction or zero dollar authorization with the proper indicator.
    • This is a change! Two transactions occur when capturing cardholder data for the first time. Technical part can be handled by a payment gateway that supports it, but other elements are left to you.
    • Provide a stored card receipt to customer.
  4. 3-D Secure cardholder authentication. For example, Verified by Visa. Merchants register for 3-D Secure with their acquirer; always consult with the payment gateway first for instructions and to confirm they’re registered to offer service. Friendly fraud liability, “it wasn’t me, I didn’t authorize it”, shifts to the issuer and some cards with qualify for even lower rates because there is lower risk to the issuer. Because there are many parts to any transaction, including acquirer and issuer communications, plus continually changing rules, it’s possible that it will not be invoked.

Online Credit Card Authorization Forms and Qualified Rates

Most cards, except regulated debit, can qualify for multiple rates depending on how the transaction is submitted. For example, MasterCard World card rates:

Rate Name Rate Qualified Rate Reason
Standard 2.95% + $.10 Not all criteria met for another rate.
Merit I 2.05% + $.10 Key-entered or ecommerce and valid authorization + other criteria met.
Full UCAF 1.87% = $.10 Ecommerce; Cardholder authentication and other criteria met.

To qualify for UCAF, the customer must initiate payment and all the other rules must be met, which is not always easy, especially for B2B. Note, ‘ecommerce’ includes online paypage and other electronic payment channels the customer initiates.

Call Christine Speedy, PCI Council QIR certified, for Online Credit Card Authorization Forms at 954-942-0483, 9-5 ET. CenPOS authorized reseller based out of South Florida and NY. CenPOS is an integrated commerce technology platform driving innovative, omnichannel solutions tailored to meet a merchant’s market needs. Providing a single point of integration, the CenPOS platform combines payment, commerce and value-added functionality enabling merchants to transform their commerce experience, eliminate the need to manage complex integrations, reduce the burden of accepting payments and create deeper customer relationships.

Christine offers more than one solution so that you have the best for your business type and needs.