Category Archives: Merchant Services

Payment Gateway In Australia With Tokenization

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australia payment gatewayNeed an Australian payment gateway with tokenization and online payment capability? 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 is compatible with merchant processors globally so there’s no change to deposits.

CenPOS Australia Payment Options Boost Profits:

Integrated gateway: Integrate any application with our easy to use API’s. With the embedded payment object option, keep your applications out of scope for PCI Compliance.

Hosted pay page / Online Payments: Included free, add online payments to your web page with just a few lines of code.

Virtual Terminal: Login to secure web pay and manually enter transactions, or set up a schedule to automatically charge.

Batch Processing: This interface enables PCI certified 3rd party processors and others to automate transaction processing with a delimited file. Upload for multiple accounts at the same time.

Electronic Bill Presentment & Payment (EBPP): Eliminate phone calls and faxes for credit card numbers by empowering customers to self-pay 24/7; automate reminders for past due accounts receivables.

More Benefits:

  • CenPOS patented cash management solution improves interchange qualification, increasing merchant profits
  • Unlimited tokens for variable, recurring, installment (fixed or variable) billing
  • Available in over 100 countries – one gateway for all your global payment needs
  • PCI Compliant credit card authorization forms automatically generated
  • Multiple payment types supported for omnichannel needs

Is CenPOS the right solution for your Australian or multinational business? Our special expertise in your region is card not present, primarily business to business. No other payment gateway provides the depth of reduced PCI Compliance burden and operational efficiencies as CenPOS.

Contact Christine Speedy via email or Skype today.

First Data Delisted Certifications for Sage and 3Delta

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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

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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

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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