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.
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.