EBill payments via text or email improve PCI Compliance video

Ebill and einvoice systems send invoices vs Electronic Bill Presentment and Payment or EBPP gets you paid from that request via text or email. This critical difference has a major impact on security and PCI Compliance. This  video demo is for a standalone solution to accept online payments, including credit card. ACH and wire. Integrated solutions for Quickbooks, ERP, or other, are also available.

Video CenPOS EBPP Lite demo shows the simplicity of sending an einvoice with request for payment via email to an existing customer, that has previously made a purchase and stored their credit card. Customers can self-update their payment methods, store multiple methods. Ask for any feature, and yes, we probably support it.

A layered approach to card not present fraud protection is critical with increasing financial industry changes. In addition to the traditional address and CVV verification, cardholder authentication, IP blocking and other tools can be used to guarantee payment against fraud globally (some restrictions apply).

Eliminate credit card authorization forms with sensitive cardholder data. No one likes them, they’re time wasters for both parties, cards get expired etc. At best, they offer flimsy protection against fraud. Worse, they’re a PCI Compliance nightmare.  In the event of a data breach, it’s likely impossible to prove compliance if you use them. Regardless of how secure and loyal you think your employees are, stuff happens and when identity theft related to credit cards occurs, your business has a 50% chance of survival.

Contact Christine Speedy, 954-942-0483, 3D Merchant Services, 9-5 ET. Your merchant account, our cloud hosted payment gateway solutions.

How to reduce 75-CH Does Not Recognize Trans chargebacks for business to business

CenPOS merchants use the Electronic Bill Presentment and Payment service as a tool to avoid future disputes. EBPP sends electronic invoices via text or email in seconds with no integration required.  For business to business merchants, it’s common for the cardholder to be different from the person purchasing.

Avoid these issues:

  • Buyer wasn’t authorized for the purchase amount
  • Buyer bought something the boss wasn’t aware of or didn’t approve
  • Exposing personal card information to other people so they can make a purchase
  • Losses from fees related to disputes won or lost
  • Unauthorized buyer ships product to a different address

3 Ways CenPOS solves these problems:

  1. Cardholder can choose to store their payment methods directly with the merchant, never exposing their data to internal employees or the merchant employees.
  2. Cardholder can personally manage all payment methods via secure hosted payment site
  3. Cardholder is automatically notified when the card is charged
  4. Cardholder can inspect invoices remotely from anywhere, even if a purchasing agent has been designated to get the invoice.

In addition to the above, CenPOS has robust fraud tools for merchants to manage.

Example with traditional processing: A commercial repair shop employee calls a dealer for a part. He gives the parts manager his bosses credit card info over the phone and then picks up the part.

Example with CenPOS EBPP: A commercial repair shop employee calls a dealer for a part. The parts manager confirms the part is in stock,  selects the invoice template from the secure web page, adds an amount to charge and presses send via email or text message for the boss to pay. The boss opens the message, views the prefilled payment object on  a secure web page, selects his stored payment method, and presses submit.

EBPP Electronic Bill Presentment & Payment

Both the seller and buyer save time by eliminating the conversation about card numbers, PCI Compliance issues with recorded phone conversations, or poorly designed fax forms that don’t protect the merchant. Additionally, the payment receipt is delivered electronically to the owner. This e-billing solution is an effective tool to prevent future disputes with greater purchasing transparency.

Global Sales: Christine Speedy (954) 942-048