Category Archives: Merchant Services

First Data Delisted Certifications for Sage and 3Delta

Posted on by
Reply

First Data regularly publishes a list of certified integrated partner solutions as well as delisted certifications. ERP and other product developers involving payments should monitor this list to ensure compliance for their merchants.

Reasons for delisting include the version is no longer PCI Compliant or doesn’t meet some other processing requirement; a replacement certified version may be available, but that is not always the case, nor are merchants always current with the latest vendor software that has the certified payment gateway connection.

First Data Integrated Partner Solution delisting details:

•    3Delta Systems product EC-Suite Gateway is no longer boarding new merchants. 3Delta has replaced the EC-Suite with Payment Works Suite.
•    Sage Payment Gateway – delisted May 2015, see notes for details. No corresponding certified product is listed under the company name Sage.
•    Fiscal Systems, Inc. products Travstar1 and Travstar1/NEDOS v 9.1.0 are no longer available for boarding new clients. Travstar1/NEDOS v 10.00.01 is certified.

Other products with versions delisted this year include Counterpoint, USAePay, Retail.net, and Aloha EDC. Merchants using Saas product solutions continually have the latest integrated version and can avoid issues related to expired gateway certifications, which may not be readily shared with the parties that need to know.

Another tab on the document lists certified partner solutions, including who’s EMV certified today and for what equipment.

First Data Delisted Integrated Partner Solutions link to First Data download page for a list current certified solutions as well as delisted certifications.  Bookmark 3D merchant security links here for this and other security links.

Editor note:

Prospective CenPOS customers and developer partners often ask how is CenPOS different than the existing integrated gateways. The First Data certifications list is a simple way to compare some technical items. For example, 3Delta is certified for level III processing, but not international or retail.

The list for certifications may be imperfect, though the EMV certifications is likely accurate as this is a hot button that developers are needing current data for. This post has been updated to remove links since First Data removed the related published document.

Call Christine Speedy, PCI Council QIR certified, for simple solutions to complex payment transaction problems, 954-942-0483, 9-5 ET.

Level 3 Processing Payment Gateway

Posted on by
Reply

Looking for level 3 processing payment gateway for your application? Whether you need retail, ecommerce, hosted pay page or something else, we have the solution.

level 3 interchange rates

The difference from Data Rate III to Commercial Standard is the data sent with the transaction. Swipe and card not present are both eligible for the same interchange rates in the example.

Choosing a gateway capable of level 3 processing is not enough. There’s a multitude of rules that must be followed for the lowest qualified interchange rate. Merchants desiring to maximize qualification will want a gateway that automates processes to ensure all the rules are met, not to just send level III enhanced data.

Keep your existing new merchant account with our omnichannel payment gateway.  If your processing doesn’t support level 3, we’ll help you get an account that does.

Contact Christine Speedy 954-942-0483 for a free trial and your business to business company can start qualifying for lower interchange rates almost instantly. If your application only supports specific gateways, we have solutions for that too.

Level 3 processing for Magento

Posted on by
1

Looking for a level 3 processing gateway?

No new merchant account required with our omnichannel payment gateway that works with your existing financial partners. Contact us for a free Magento gateway module and your business to business company can start qualifying for lower interchange rates almost instantly.

Example of a wew low interchange rate a merchant transaction qualified for.

Example of a low level 3 interchange rate a merchant transaction qualified for. Without our solution, the qualified interchange rate would have been more than double.

Key things to note:

  • Level 3 processing for all major processors
  • Omnichannel – from retail to hosted pay pages to Electronic Bill Presentment & Payment, level 3 is supported all sales channels.
  • To qualify for level 3 interchange rates, any initial pre-authorization and settlement must be equal, and there must be a valid authorization code (not expired), in addition to other requirements. It’s here where most other solutions fail, even if they do support level 3.

Level 3 payment gateway are modules available for Prestashop and other shopping carts too. Contact Christine Speedy at 3D Merchant Services

 

 

Apple Pay EMV Ready Terminal Ad Review

Posted on by
Reply
applepay emv terminal

Apple Pay EMV terminal advertisement.

I received this attractive ad today in an email. At first glance, it looks like an Apple offer, but the fine print below says “Apple does not sponsor, endorse or promote this offer. 
Apple Pay is currently available only in the United States.” Let’s review the ad and the landing page at http://link.emlservices2.net/u.d?bYGu4iinutyt1X88jzB=1.

The merchant fees advertised by Total Merchant Services, a First Data ISO, are 1.59% plus $.19 per transaction. The fine print of the offer is not shown. However, this type of offer is for ‘bundled’ pricing. That means it starts at a low retail swipe rate for certain cards, but other types of cards and key entered transactions will be at a much higher rate to achieve the desired profit margins. Nothing wrong with making a profit, but this type of plan is only suitable for certain small retail businesses because bundled pricing always costs more than interchange plus pricing. Additionally, they’ll need to recoup the cost of the free terminal either through a long term contract or high profit margins or both.

The ad message is clear that your business needs to be ready for EMV Compliance and buying this terminal will get you there.  While the terminal is EMV ready, as of today, the unit has not been EMV certified on First Data. Since they’re promoting it, someone is probably working on the certification, but for now, the terminal is EMV capable, or in their words “EMV Compliant”.

“YOU will be RESPONSIBLE for CREDIT CARD FRAUD if you do not have an EMV-compliant terminal by October 2015.” Beginning October 2015, either the issuer or merchant that is the cause of a contact chip transaction not occurring will be financially liable for any resulting card present counterfeit fraud losses. Lost and stolen card use is not applicable for Visa, but is applicable for MasterCard. The card brands also have differing exceptions and extra incentives to encourage adoption of EMV. Refer to EMV deadline misinformation is rampant for more information.

apple payIs it an Apple Pay Terminal? That’s just sales jargon. The terminal supports NFC or ‘contactless’ payments, including Apple Pay and Google Wallet.

Ingenico iCT250 emv terminal

Ingenico iCT250 emv capable countertop terminal.

Note, the iPhone and iWatch are not included and it’s not a mobile terminal. The Apple products shown are items that consumers can use to make payments with Apple Pay.

In summary, nice ad, and easy way for small businesses to update their terminal with a quality brand. If you like their deal, I’ll match any offer they make – and offer an additional incentive- because I know it’s going to be profitable!

My core customers process over one million annually; They’re not required to change processors and this isn’t the solution I’d recommend for them.