Batch processing accounts receivable and donations- Caging services solutions

Replacing ICVerify or other legacy software for batch credit card processing? Whether you’re in the cloud, or headed there, methods of payment processing have changed to meet current and future requirements for PCI Compliance and fraud prevention. For service providers, including non-profit mail processing, payment gateway selection impacts efficiency, merchant fees, and even client PCI Compliance burden.

The first way efficiency can be increased is the batch upload process. It’s basically the same for credit card processing and check processing. Here’s comparisons for payment gateway methodology for batch upload service:

CenPOS Batch Processing File Upload

  1. Save file to configurable directory (listening folder)

CenPOS Batch Processing Response File Retrieval

  1. Retrieve one or multiple files from configurable directory (response folder), Payeezy (First Data) and similar Batch Processing File Upload

  1. Log in to your Merchant Interface at or other
  2. Click Upload Transactions.
  3. Click Upload New Transaction File.
  4. Click Browse.
  5. Locate from your system the file that you want to upload.
  6. Click Upload File., Payeezy (First Data)and similar Batch Processing Response File Retrieval

  1. Log into the Merchant Interface at or other
  2. Click Tools from the main toolbar.
  3. Click Upload Transactions.
  4. Click View Status of Uploaded Transaction Files.
  5. Select the desired uploaded transaction file from the Select Upload File drop-down list.
  6. Click Submit.

CenPOS increases efficiency to upload and retrieve responses, reduces friction with no login required, and also supports multi-merchant login, enabling users to toggle between accounts, creating efficiency for both the service provider and the merchant.

More BATCH UPLOAD differences CenPOS
Custom fields (share across channels) No Yes
Reporting 2 years Indefinite
Telephone support no yes 24/7

Merchant fees are impacted when a transaction does not qualify at the lowest interchange rate possible. For example, business to business companies must submit level III data to qualify for related rates, which are often 90 basis points (0.90%) lower than without. The payment gateway must be certified for level III to each acquirer supported. Only a few payment gateways are level III certified, and even fewer of those offer an acceptable batch upload solution.

PCI Compliance burden is reduced with tokenization, outsourced payment processing, reduced vendors and reporting. The latter is critically important for forensic audits, as well as financial. The average gateway only saves data for two years, and has limited data retrieval capabilities. CenPOS audit reports cover every touch to the platform- who, what, when, and more, with records available for a minimum of 7 years to match IRS requirements, reducing the cost of on-site and remote audits.

To learn more about batch credit card processing, replacing ICVerify, and cloud payment differentiators, Contact Christine Speedy for a free consultation for all your omnichannel global payment needs.

Chirpify launches Twitter Commerce payment platform

Formerly known as Sell Simply, Chirpify Introduces Transactional Tweets for Brand Commerce, Direct Payments and Donations

PORTLAND, Oregon — February 15, 2012 — Chirpify, the easy way to exchange money via Twitter, today announced the launch of its Twitter Commerce platform, allowing brands and merchants to buy, sell, donate and transact on Twitter. Formerly known as Sell Simply, Chirpify enables direct, or person-to-person, payments and donations in addition to its retail sales platform.

For the first time ever, brands and retailers are able to use Twitter as a direct sales channel. By offering organizations a simple way to turn Tweets into transactions, Chirpify opens up a meaningful new channel that combines social marketing with commerce and offers an easy way for consumers to make purchases.

“Brands, retailers, politicians, celebrities and individuals have spent the past six years using Twitter to build communities and brand affinity, so why not allow them to sell on Twitter directly?” says Chris Teso, founder of Chirpify. “Customers don’t have to leave Twitter to make a purchase or donation. Chirpify removes the frictions of traditional e-commerce check-out processes.”

How it works:
Chirpify integrates directly with PayPal to offer secure transactions on Twitter. Purchases and donations are as simple as replying to a Tweet: “@favoritebrand Buy,“ or “@politician Donate,” for example.

Additionally, Chirpify offers deep integration with existing e-commerce storefronts, including Magento, for back-end fulfillment, listing and transaction management. To use Chirpify, merchants simply click the “list on Twitter” button when drafting an item listing for sale in their e-commerce dashboard. Inbound sales information appears as either an email or as part of the retailer’s back-end system, as well as via a DM on Twitter.

Because it works anywhere Twitter does, Chirpify is device agnostic, allowing any user on any mobile device, tablet or desktop computer to access Chirpify for seamless transactions.

“We identified Chirpify as solving a huge problem in the market: how to monetize social-media efforts,” says Greg Rau, founder and CEO at Upstart Labs. “Chris built an effective and elegant platform to deliver actual ROI based on revenue.  Chirpify offers individuals, companies, organizations—anyone—the ability to monetize their Tweets.”

Chirpify received seed funding from Portland-based incubator Upstart Labs, which invests in early-stage companies with a combination of capital and product-development support. Chirpify is one of the first ventures to receive seed funding from Upstart Labs, which launched its program last year.

About Chirpify
Chirpify ( is a seamless payment system for Twitter commerce. With full integration to PayPal, Chirpify enables businesses to buy, sell, donate and exchange funds on Twitter, turning Tweets into immediate transactions. Based in Portland, Oregon, the Chirpify platform is the first social commerce system to offer direct monetization through Twitter. To learn more about Chirpify and begin sending or receiving payments today, visit

About Upstart Labs
Portland, OR-based startup accelerator Upstart Labs ( invests in early-stage technology companies with a combination of capital and product-development support. Upstart Labs focuses on developing new businesses, and providing emerging companies with support in design, development and go-to-market strategy.



Mobile Giving for non-profits 60% reduction

CTIA-The Wireless Association® Releases “Guidelines for Mobile Giving”

October 12, 2011

Adherence to the Guidelines provides qualified charities a 60 percent discount for text-to-give campaigns that use dedicated short codes

WASHINGTON, D.C. – CTIA-The Wireless Association® today released its “Guidelines for Mobile Giving” to provide qualified charities a framework and 60 percent discount for mobile giving campaigns that use short codes. Created after months of collaboration among carriers, mobile giving service providers, major non-profits and non-profit accreditation groups, the Guidelines provide charities with “best practices” to help them create successful and reputable mobile donation campaigns.

The use of text message short codes for charitable donations was initially developed after the Indian Ocean tsunami in 2004, and gained prominence after the 2010 earthquake in Haiti.

The “Guidelines for Mobile Giving” will provide qualifying charitable organizations greater control over their unique short code. While charities may continue to conduct campaigns on shared short codes, a dedicated code mitigates donor confusion for qualifying organizations.

To qualify to lease a unique code at the discount, a charity must be accredited by the Better Business Bureau Wise Giving Alliance or receive three- or four-star rating from Charity Navigator. Accredited charities can mix communications, solicitations and mobile giving with their code as long as they follow the Mobile Marketing Association’s guidelines and provide consumers with a separate opt-in for each type of activity. In addition, a single code may be leased by chapter-based groups and used by all chapters or for unified campaigns.

“After the devastation of Hurricane Katrina to Haiti’s earthquake to Japan’s tsunami, Americans have generously sent millions of dollars in charitable donations via their wireless devices. The ‘Guidelines’ will help provide consumers with peace-of-mind when sending a text donation while ensuring their accredited charities are in accordance to their donors’ intent,” said Steve Largent, President and CEO of CTIA-The Wireless Association.

For more information about CTIA Guidelines for Mobile Giving, please visit:


CTIA-The Wireless Association® ( is an international organization representing the wireless communications industry. Membership in the association includes wireless carriers and their suppliers, as well as providers and manufacturers of wireless data services and products. CTIA advocates on behalf of its members at all levels of government. The association also coordinates the industry’s voluntary best practices and initiatives, and sponsors the industry’s leading wireless tradeshows. CTIA was founded in 1984 and is based in Washington, D.C.

credit card processing recommendation for religious 501c3

A reader asks, “I noticed your video about non-profits being able to take advantage of emerging markets rates. I’m curious how that works if you do not fit into the emerging market categories as you address in your blog? I am a religious 501c3 and am in the process of getting rate quotes from various merchants and one mentioned this program to me. But, they have high monthly fees and we will have a very low amount of processing in our first year (less than $25k).”

Response: I’ve written about this before. For low volumes like yours it really makes almost no difference who you’re processing with. Most of the fee you pay cannot be avoided and the difference from low to high end costs isn’t worth the effort in my opinion. Maybe you’ll save $100 a year, maybe nothing. You’d be better off focusing on doubling your donations than trimming a very small amount in fees.

Related articles:
Monthly fees for non-profit merchant account under $25000 in credit card processing.
Industry insider reviews merchants fees for non-profits, large volume.