USAEPAY

USAEPAY is an in­dus­try lead­ing pay­ment gate­way that of­fers chan­nel friendly pay­ment so­lu­tions. For nearly 20 years, USAEPAY has been work­ing with Re­sellers, Mer­chants, and De­vel­op­ers to pro­vide quick, se­cure, credit card and check trans­ac­tion pro­cess­ing.

ISO & Agent - - PAYMENT GATEWAY | VISIONARIES AND Q&A - By Ben Goret­sky, CEO, USAEPAY

How are trans­ac­tions kept se­cure?

A Pay­ment gate­way is a cer­ti­fied, se­cure pay­ment por­tal for the mer­chant and the mer­chant bank. Pay­ment gate­ways spend a lot of time and ef­fort to make sure that all trans­ac­tions and data that pass through it are prop­erly han­dled and pro­cessed. It is be­cause of this time and ded­i­ca­tion to pro­cess­ing that makes the pay­ment gate­way the best so­lu­tion in pro­cess­ing trans­ac­tions. Along with the se­cu­rity and cer­ti­fi­ca­tion ben­e­fits, most gate­ways are very rich in fea­tures. Ad­vanced in­ter­faces avail­able in gate­ways al­low mer­chants to re­view and man­age their trans­ac­tions in ways that no ma­chine would al­low. The fea­tures and func­tion­al­ity of the pay­ment gate­way will en­able the mer­chant to run an ef­fi­cient omni-chan­nel so­lu­tion for pay­ment pro­cess­ing.

What should a com­pany look for choos­ing a Pay­ment Gate­way?

A com­pany should al­ways look for the fea­ture sets that a gate­way can pro­vide. Gate­way com­pa­nies have fea­ture sets very sim­i­lar to each other, Yet, the most im­por­tant thing many peo­ple fail to do when select­ing a pay­ment gate­way, is spend enough time re­search­ing and eval­u­at­ing gate­ways. It is im­por­tant to look at the com­plete set to see what you are get­ting with the gate­way and what you can or can not do with the gate­way (if you can’t do it with them di­rectly you may need to pay more to a third party). Some of these fea­tures in­clude things like re­cur­ring billing, cus­tomer data­base sync­ing, to­k­eniza­tion, fraud preven­tion, level III, mo­bile ap­pli­ca­tion, pay­ment forms, in­voic­ing, open-source API, in­te­gra­tion to a se­lec­tion of shop­ping carts and point of sale so­lu­tions. All of these help the mer­chant meet their pro­cess­ing needs.

Does a Pay­ment Gate­way work for card present pay­ments?

It de­pends on whether the gate­way is cer­ti­fied to do card present trans­ac­tions with the plat­form(s) it works with. Just like for ecom­merce and MOTO, a gate­way needs to be cer­ti­fied with a plat­form for ev­ery “in­dus­try” in­clud­ing re­tail (card present). Some gate­ways are cer­ti­fied and have ei­ther mo­bile ap­pli­ca­tions, desk­top ap­pli­ca­tions, or swipe func­tion­al­ity built into the gate­way’s on­line in­ter­face to ac­cept re­tail swipes, while oth­ers only do ecom­merce and CNP trans­ac­tions.

How does a Pay­ment Gate­way help a busi­ness man­age PCI com­pli­ance?

Ev­ery pay­ment gate­way has to be Level 1 PCI com­pli­ant to process and store trans­ac­tions prop­erly. For mer­chants, there are dif­fer­ent lev­els of PCI which they can fall into (usu­ally Level 3 or 4). Most gate­ways will pro­vide fea­tures like to­k­eniza­tion, gate­way hosted pay­ment forms and se­cure API kits which will al­low the mer­chant to ac­cept pay­ments the way they need/want to/or from their cus­tomer while stay­ing out of “scope” for PCI com­pli­ance. If a mer­chant falls into “scope,” then they may be­come re­spon­si­ble for a higher level of PCI com­pli­ance and may need to go through a more rig­or­ous, dif­fi­cult, and ex­pen­sive au­dit for com­pli­ance. The gate­way’s so­lu­tions help the mer­chant stay out of that level.

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