Payware PC End of Life and Replacement Options

Like PCCharge® Software end of life, Verifone also announced the official End Of Life for PAYware PC in May 2015. Company’s that have PC based payment solutions are quickly shutting them down in order to move to cloud based payment gateways, supporting a wider array of newer technology and compliance needs, including EMV.

What does Payware PC end of life mean?

Product development has ended. Verifone has a timeline to stop selling and stop supporting Payware PC. The product owner does not have to immediately change, but should review the timeline and consequences for future business decisions.

PAYware PC Key Dates:

  • Final Order Date: After May 22, 2015, Verifone will no longer take orders for new PAYware PC licenses for new customers. Existing customers may elect to purchase new MID/TIDs or add on services to existing licenses through September 24, 2015.
  • Final Shipment Date: After May 29, 2015, Verifone will no longer ship orders for new PAYware PC licenses. Verifone will ship to existing customers electing to purchase new MID/TIDs or add on services to existing licenses (as set forth above) no later than October 1, 2015.
  • End of Development Date: Effective immediately, there will be no new Verifone sponsored software development with respect to PAYware PC.
  • End of Support Date: Effective October 1, 2015, subject to the following paragraph, Verifone will no longer provide support for PAYware PC. Until October 1, 2015, support will be limited to phone troubleshooting and suggested changes to configurations or third party components in PAYware PC; support will not extend to product code changes.

“This is an ideal time to examine long term omnichannel payment needs to avoid transitioning to other outdated technology,” according to Christine Speedy, a cloud payments expert. “At their core, all payment gateways enable merchants to process web based transactions securely with cloud solutions. Beyond that, there are many differences, and even bleeding edge solutions could lead to further disruption, if the new technology disappears when ideas don’t catch on or venture capital dries up.”

TIPS FOR NEW PAYMENT GATEWAY VENDOR SELECTION:

Is 3-D Secure (Verified by Visa and MasterCard Secure) for card not present transactions supported?
Does it have any EMV certifications? If not, what is the roap map time frame? (note- EMV certified is not the same as EMV ready or EMV capable)
Is the gateway processor neutral to provide maximum financial flexibility? (Critical for integrations.)
If business to business, for which sales channels does the gateway support level III processing? (mobile, retail, EBPP, kiosk, online payments, ecommerce, other) Can the user bypass submitting level III data on eligible transactions?
Is ACH supported? (If no, this is a red flag as lagging in innovation.)
What type of audit trail is available for PCI 3.0? How long is the data accessible?

CenPOS differentiator examples:

  • Level III processing all sales channels, even retail
  • Least cost routing and interchange management reduces merchant fees
  • US EMV certified signature capture terminals today, including Verifone MX915; works with your processor and a secure web page, or mobile app or integrated solution
  • Available in over 100 countries

Do you need a new payment gateway for your application? Or to replace your Payware PC account? CenPOS is a flexible omnichannel gateway with EMV, 3-D Secure, tokenization, and Level III processing. CenPOS solutions, including virtual terminal, mobile, and electronic bill presentment and payment, can significantly impact EBITDA, PCI Compliance, and efficiencies. Contact Christine Speedy at 954-942-0483 for integrations and new accounts.

Ho hum Payware Mobile announcement and CenPOS mobile comparison

Breaking down why the Payware announcement at ETA 2012 in Las Vegas left attendees unimpressed.

NEW Complete Solution to Help You Succeed in Mobile Payments

PAYware Mobile’s Secure Audio Reader Launches at ETA 2012

PAYware Mobile’s secure audio reader made its debut at the 2012 ETA Annual Meeting & Expo. PAYware Mobile is VeriFone’s payment solution for smart devices that allows merchants to accept payments wherever and whenever they do business.

With PAYware Mobile’s new secure audio reader, merchants can now swipe a card and capture a signature and email receipts – with security and reliability – so they never have to miss another sales opportunity.

What’s New?

Easily and conveniently accepts credit card and signature based debit card transactions – simply insert audio reader into an audio jack
Perfect for today’s popular smart devices – compatible with iOS, Android and BlackBerry operating systems
Allows account administrators to activate, manage and even deactivate gateway access of devices that are lost or stolen
Saves time and reduces transaction fees with swiped, card present transactions
Eliminates manual entry errors and reduces deposit slips and printed receipts

Let’s also add these excerpts from official 12/2012 Payware sales literature.

  • How is PAYware Mobile different from other solutions out there? …”Merchants trust and rely on VeriFone”…”allow the customer to sign their name on iPhone’s screen”…”integrated capacitive stylus”

Is any of this really ground-breaking different? I think not. I’ll give them credit for their other efforts in retail, however, this is just another ‘me too’ solution. In fact, after the event I attended a conference call in which an executive from a large ISO summed it up by saying, ‘pretty much everyone was offering ME TOO products’. The one exception was, you guessed it, CenPOS.

Keeping on task with the Payware mobile solution comparison, here are some advantages of CenPOS Mobile vs Payware Mobile:

  • Only CenPOS mobile optimizes payments to qualify transactions for lower interchange rates, the bulk of credit card processing fees.
  • Only CenPOS mobile has automated switching for retail/Moto presentment so merchants can mitigate risk of lost disputes.
  • Only CenPOS mobile stores 7 years receipts, including with signature.
  • Only CenPOS mobile enables merchants to securely store payment data for future recurring or repeat sale needs.
  • Only CenPOS mobile supports ‘supervisor approval’ so a remote administrator can override a transaction from another.

Both services offer:

  • Hosted payment processing
  • Remote user management
  • Multi-environment support: CenPOS has one hub for mobile, retail, kiosk, online, ecommerce. I’m not sure how Payware works with that, but they do support multi channel sales.
  • Tablet POS

Beyond Mobile:

GlobalBay, acquired by Verifone offers a wizard driven environment for scripting. I haven’t seen, so cannot comment, but it sounds good. They also offer inventory management, retailing, and a ‘clienteling’ suite for additional fees.

CenPOS offers API’s that can be customized to connect to ERP’s and other back end solutions. Essentially, a merchant can integrate one time, and then apply for any application need.They also offer a free open source POS, ERP, and ecommerce shopping cart.

Groundbreaking: CenPOS supports Level 3 data in both retail and MOTO. It’s not supported on mobile yet.

 

accept credit cards on your iphone with Payware

3D Merchant Services is now offering PAYware Mobile to accept credit cards on your iphone. A merchant account is required in addition to the iphone, iPhone credit card encryption sleeve, and secure gateway service.

Payware mobile is a bit like existing wireless merchant terminal service. You pay a separate fee for the service and the bill appears on your existing merchant statement. However, this service only works with iphone 3g and 3gs, not Blackberry or other models as of this writing. The iphone app is free.

You can see the encryption sleeve in the image below.
iphone payware mobile
iphone encryption sleeve

Verifone Card Encryption Sleeve

The PAYware Mobile credit card encryption sleeve is the only mobile product that delivers end-to-end encryption. The moment the card is swiped, data is encrypted and stays that way until the bank receives it. The phone never sees, nor does it store, any sensitive data.

The PAYware Mobile credit card encryption sleeve fits any iPhone 3G or 3GS model. The sleeve’s design is sturdy and compact, built to survive real world abuse.

  • Patented end-to-end encryption
  • Make more “card present” sales and save
  • Fits all iPhone 3G or 3GS models
  • Built-in stylus for signature capture

HOW IT WORKS
iphone payware mobile sleeve

After you download the iphone app at the app store, you’ll click the app any time you want to use it. When the little blue light appears ( by the guys lower thumb) you’re ready to swipe. You can pre-set sales tax and then modify as you go along or you can enter as needed. You can also add in a tip amount, or have it calculate automatically. Customers will sign the iphone with the stylus supplied. You can email the receipt. (No printer is included.)
iphone payware mobile images iphone payware transaction datapayware signature capture

HOW IT AFFECTS YOUR PAYMENT PROCESSING COSTS- You’ll pay card present costs. The app supports debit and credit cards. It does not support PIN based debit.

WARRANTY- VeriFone generally provides a limited hardware warranty of 12 months in the United States. The warranty period for each Product is calculated from the date the Product is shipped or the date title to the Product passes to Customer, whichever date is earlier.

REPORTING- In addition to your existing merchant account reports, you’ll also have access to the PAYware mobile gateway reporting system. If you have 1 or many units, all the data appears in one portal for management review in real time.

ESTIMATED PAYWARE OPERATING COSTS-   These are in addition to your cell phone and merchant services fees.

The mobile carder is free with a two year contract while promotions last.   Otherwise it’s $149. The gateway monthly fee is $15 – $30 a month and transaction fees vary as a per transaction fee or a percentage of each transaction. Some gateway providers offer a special “dormant fee” that allows you to keep your account open for a small fee during the months you don’t need it if you have a seasonal business.

Call if you’d like a quote for your company.