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5 Little-Known Facts About Credit Card Processing That Therabill Users SHOULD  Know

Posted on Fri, Feb 24 2017 @ 03:36 PM

If your therapy practice accepts credit cards, you may think you already know everything that you need to know. But here are 5 extremely important facts that you may not be aware of. Being armed with this information will save your practice money and improve your bottom line.

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5 Little-Known Facts About Credit Card Processing That Could be Costing Your Practice More Than It Should Be Paying

1.  Credit card processing fees are tax deductible and it's typically a sizable deduction for businesses that accept cards. As tax season approaches, don't forget to take this deduction!

2. Using your local bank does not save you money on credit card processing. Most local banks outsource credit card processing services to third party sales teams who work for larger processors. By using your local bank you are likely paying more than if you went direct to the processor since it's adding another layer to the pot.

3. There is only one part of your credit card processing cost that is negotiable and that is the processor's markup over interchange and assessments. Interchange and assessment are the same for all credit card processors. This is why Novera's fixed flat fee merchant account pricing structure is so attractive to businesses. It saves them money and there are no surprises.

4. Not using AVS (address verification service) can cost you money. Visa, MasterCard and Discover require the customer's billing address be entered for all card-not-present transactions. If you don't provide it, it will result in a downgraded transaction (resulting in higher fees).
 
5. Tiered merchant account pricing costs you more. You know you have a tiered pricing structure when your processor quotes three different rates: qualified, mid-qualified, and non-qualified. They suck you in with a super low "qualified" rate ... but what they fail to tell you is that most of your transactions will actually fall into the non-qualified higher rate. Novera Payment Solutions' fixed flat fee merchant program takes the mystery out tiered pricing by offering a single flat rate to save you money.

Get some straight talk and learn why a merchant account including our “flat fee advantage” can be one of the best business decisions you’ll ever make. This is just one of the many reasons that Therabill has teamed with Novera Payment Solutions for their integrated payment solution.

We are happy to offer a FREE savings analysis to show you how Novera Payment Solutions can save you significant money on your credit card processing fees.

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Request More Information

Tags: accept credit cards, flat fee merchant account, payment processing, merchant account, credit card processing, flat fee credit card processing, online credit card payments

ISV Worldpay Link Gateway Webinar Jan 24 - Join Us!

Posted on Tue, Jan 03 2017 @ 11:07 AM

 

Please joifree-webinarn the Novera Payment Solutions team for an educational webinar on January 24, 2017 @ 11:30 AM EST designed to help software companies understand the value and process of integration with Worldpay.

This valuable free webinar will be 45 minutes or less. We hope you'll join us.

 

As an attendee of this webinar you will gain the following:

 

  • Benefits of Payment integration to your software application
  • Advantages to your customer
  • Program Process Overview
  • Program Highlights 

As an Integrated Software Vendor (ISV), when you choose Novera Payment Solutions and the Worldpay Link Gateway, you receive experts that can ensure seamless credit card payment integration, customer service and evolve with you as you grow. Our application support ranges in vertical markets including automotive, restaurant, healthcare and specialty retail, just to name a few. Novera can help you jump start your business and develop successful payments processing strategies. Link Gateway is a platform that allows you the flexibility to streamline and integrate payment systems with existing applications and software.

On this free 45 minute webinar, we'll discuss the additional benefits of using the Worldpay Link Gateway, inlcuding:

1. How We Provide Easy & Fast Payment Gateway Integration

2. Why We Are Payments Processing EXPERTS

3. How We VALUE Relationships with Our Customers & How You Benefit

 

Time is running out to register! Reserve your spot today.

 Register for the ISV Webinar Today

 

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Tags: accept credit cards, integrated software vendor, pci compliance, isvs, accept online credit cards, isv, emv

We Recently Saved a New Client $7000/Year in Credit Card Processing Fees - Seriously, We Did!

Posted on Wed, Oct 12 2016 @ 12:18 PM

We recently saved a new client over $7000/year in credit card processing fees.

Seriously, we did!

The hidden fees she was paying were astronomical ... and unnecessary.

Here's the thing: when you understand the credit card processing fees that you are paying, you become empowered to to save money on them. We can help make sense of the fees and how some companies in our industry take advantage. Now wouldn't that be a valuable use of 45-minute of your time? 

Novera Payment Solutions is pleased to offer our popular (and free) "Understanding Credit Card Processing" webinar. With just a few days left to register, you'll definitely want to reserve your spot today. It's time to stop overpaying for your credit card processing ... money down the drain that could be put to better use for your business.


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If you answer, "yes" to any of the statements below, this webinar is for you!

  1. Are you confused by the complicated statements that you receive from your current credit card processor?
  2. Do you need help understanding the difference between "Qualified", "Mid-Qualified", and "Non-Qualified"?
  3. Do you need assistance ensuring that you are meeting PCI compliance requirements?
  4. Are you paying more than you thought you would for your credit card processing fees?
  5. Do you have to wait multiple days after batching transactions to see the payment deposited in your account?

REGISTER TODAY!

Join us in an educational webinar on

10/18/16 at 2:00 EST

This webinar is designed to help you understand the in's and out's of the credit card processing industry. This FREE webinar will be 45 minutes or less and we guarantee you will learn practical information to help you make better choices when shopping around for credit card processing services.

As an attendee of this webinar you will gain the following:

  • Ability to understand Visa/MC/Disc true underlying cost which in turn will help you negotiate better pricing
  • Knowledge on how to make sure you are getting a truly fair deal for payment processing services
  • Awareness of the latest in technology available in the market place today
  • Tips for keeping processing costs down
  • Best practices for keeping cardholder data secure, including EMV and maintaining PCI compliance.
Register Today!

Tags: accept credit cards, flat fee merchant account, payment processing, merchant account, credit card processing, flat fee credit card processing

4 Reasons Why Your Small Business Should Work with the Leader in Modern Money

Posted on Wed, Jul 27 2016 @ 03:06 PM

There's one simple reason why Novera Payment Solutions has teamed up with Worldpay to offer our customers world-class payment solutions. It's because Worldpay is the true leader in modern money. By working with Novera, you not only get the one-on-one personal service our team is known for, but your business also get to leverage the power of the world-class Worldpay payment gateway.

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1. As technologies evolve and your business grows, we grow with it

With Novera and Worldpay, your business can accept dozens of combinations of payment methods from nearly any device, and customize your payment mix to suit the way your customers shop. Worldpay’s team of industry experts help you provide the best small business credit card processing payments solution for your needs--and for the future-- so you can spend your time focusing on marketing and increasing sales instead.

2. Fast Funding

Streamline your back-office operations and enjoy fast access to funds with next-day and weekend funding.* Can you believe there are still payment gateway companies out there who DON'T offer this?  It IS your money, after all.

3. Exceptional Security

Help protect your customer data and reduce liability with security options including PCI DSS assessment tools, encryption and tokenization, and EMV chip card acceptance. We walk you through this every step of the way!

4. Payments for Every Business Type

Every industry is different, and we’re experts at making payments easier for each one. We’ll help you leverage just the right solution for the unique needs of your business—and for your customers.

Here are just a FEW of our specialties

  • Healthcare companies
    Integrate payments with patient management software with ease so you can spend less time on administration and more time with your patients.
  • Restaurants
    Integrate with NCR Aloha and other major restaurant POS systems to ensure that every payment--and dining experience--goes smoothly.
  • Professional services
    Accept recurring payments or take payments from your computer, tablet, or phone.
  • Retail shops
    Give shoppers a seamless payment experience whether it’s in-store, online, or on the go
  • Software Developers
    If you are building an application that requires integrated payments, we have a dedicated team to support you through the setup and integration of the Worldpay payment gateway. Not only is it easy and fast, with the Worldpay Link Gateway, you are providing your customers with best payment solutions on the market.

Grow your business with a payment processing solution that scales along with you

Accept payments however customers shop and provide a seamless experience from start to finish. From auto shops and convenience stores to plumbers and electricians, Novera and Worldpay work closely with small businesses of all types to figure out the best payment solution.

Request a FREE QUOTE

 

 

 

Tags: accept credit cards, merchant account, isvs, credit card processing, isv

5 Reasons To Integrate the Worldpay Link Gateway

Posted on Thu, Oct 29 2015 @ 12:02 PM

As an Integrated Software Vendor (ISV), when you choose the Worldpay Link Gateway, you receive experts that can ensure seamless credit card payment integration, customer service and a solution that will evolve with you as you grow.

Worldpay Link Gateway

5 REASONS WHY YOU SHOULD USE WORLDPAY FOR YOUR INTEGRATED PAYMENT GATEWAY

 

1.     We Provide Easy & Fast Payment Gateway Integration

We get you to market fast, whether it's a new application or an existing one! Our software development kit (SDK) features multiple API programming languages across multiple platforms. Whether online, in person or on-the-go, our Worldpay platform makes it easy for your customers to take payments anywhere, anytime with our payment gateway integration.

2.     We Are Payments Processing EXPERTS

Through our integration with Worldpay, we understand the unique needs of your business and your customers. That’s why connecting your solution to our Link Gateway means more than a technical integration. We simplify your customer’s PCI obligation with our Level 1 PCI Compliant Data Centers.

3.     We VALUE Relationships with Our Customers

The bottom line is we strengthen your brand and increase conversions by building strong relationships. When you join with Novera Payment Solutions and Worldpay, you have a dedicated relationship manager to support you and your business. You can grow faster than the competition and offer your customers simple, secure and cost efficient systems and strategies.

4.     You Can EASILY Integrate Payment Systems into Existing Software

Novera can help you jump start your business and develop successful payments processing strategies. Link Gateway is a platform that allows you the flexibility to streamline and integrate payment systems with existing applications and software.

5.     We Specialize in MULTIPLE VERTICAL MARKETS

Our application support ranges in vertical markets including automotive, restaurant, healthcare and specialty retail, just to name a few. This is important because chances are, we have specific expertise with integrating payments for your market. Different business sectors have different needs, and we are here to make your payment integration seamless, whether it is a new applicaiton or an existing one.

 

Download our 7-page white paper to learn more about the WorldPay API, its benefits, credit card payments integration support, and our EMV ready PCI compliant solution.

integrated software vendor payment solutions

 

 Download the Worldpay API Whitepaper

Tags: accept credit cards, integrated software vendor, pci compliance, isvs, accept online credit cards, isv, emv

ISV Worldpay Link Gateway Webinar Oct 1 - Join Us!

Posted on Wed, Sep 30 2015 @ 01:47 PM

 

Please joifree-webinarn the Novera Payment Solutions team for an educational webinar on Oct. 1st, 2015 @ 1:00 PM EST designed to help software companies understand the value and process of integration with WorldPay.

This valuable free webinar will be 45 minutes or less. We hope you'll join us.

 

As an attendee of this webinar you will gain the following:

 

  • Benefits of Payment integration to your software application
  • Advantages to your customer
  • Program Process Overview
  • Program Highlights

 

As an Integrated Software Vendor (ISV), when you choose Novera Payment Solutions and the Worldpay Link Gateway, you receive experts that can ensure seamless credit card payment integration, customer service and evolve with you as you grow. Our application support ranges in vertical markets including automotive, restaurant, healthcare and specialty retail, just to name a few. Novera can help you jump start your business and develop successful payments processing strategies. Link Gateway is a platform that allows you the flexibility to streamline and integrate payment systems with existing applications and software.

On this free 45 minute webinar, we'll discuss the additional benefits of using the Worldpay Link Gateway, inlcuding:

1. How We Provide Easy & Fast Payment Gateway Integration

2. Why We Are Payments Processing EXPERTS

3. How We VALUE Relationships with Our Customers & How You Benefit

 

 

Time is running out to register! Reserve your spot today.

 Register for the ISV Webinar Today

 

Tags: accept credit cards, integrated software vendor, pci compliance, isvs, accept online credit cards, isv, emv

Payment Integration Support for Integrated Software Vendors

Posted on Fri, Sep 04 2015 @ 10:08 AM

Develop. Connect. Integrate.

There's a reason Integrated Software Vendors choose Novera's WorldPay API for credit card payment integration. We make it easy to minimize your development time.

Novera Payment Solutions’ Worldpay Link Gateway offers multiple API programming languages which allow you to easily and securely integrate your custom application. We provide sample scripts to shorten the learning curve and speed your development.

integrated credit card payments API

Our SDK provides multiple integration platforms including:

  • CGI
  • SOAP
  • XML
  • .NET – FirstMile™ Middleware (PA-DSS certified)

Novera provides detailed Worldpay Link Gateway payment integration guides so you have all the information you need for a secure and successful software integration.

In addition, you can contact our team of experts with questions along the way.

 

Our Integration Guides Are Here To Help You!

With dozens of payment integration guides to help you, we make your job integrating secure payment processing in your application easy. Our integration support guides include:

 General

Getting Started Guide

An overview of the Online Commerce Suite and Payment Gateway. This guide also answer questions about e-commerce, credit card and ACH payments and fraud controls.

Batch Processing Guide

This document describes how to submit bulk transactions to the Online Commerce Suite batch processor.

Mobile Merchant Center User Guide

This document describes how to submit transactions and run reports from your handheld wireless device.

 Integration Guides

Integration Guide

Detailed technical information for your technical support staff responsible for integrating your existing e-commerce system with Online Commerce Suite.

Card Present
Transactions Guide

Detailed technical information for your technical support staff responsible for integrating your POS or other card present credit card and debit transaction processing application with Online Commerce Suite.

Distribution Package

Sample code and files used for integration. Includes a fully functional sample shopping cart.

SOAP Integration Guide

Detailed technical information about the SOAP interface for your technical support staff responsible for integrating your existing e-commerce system with Online Commerce Suite.

SOAP Reporting Guide

Detailed technical information about accessing the SOAP reporting web services.

Stored Profile
Tokenization Guide

Detailed technical information about the required data inputs to utilize the features of the User Profile for tokenization via the XML API.

WebPay Integration Guide

Detailed technical information to aid in the integration and customization of the WebPay Gateway module.

XML Integration Guide

Detailed technical information about the XML interface for your technical support staff responsible for integrating your existing e-commerce system with Online Commerce Suite.

 Products/Services

IVR Pay By Phone Guide

This document describes how to use the IVR Pay by Phone system to submit transactions using your phone.

Membership Guide

This document describes how to use the Membership / Subscription application to provide areas on your website that are only available to registered users.

Web Cart Guide

Detailed instructions on how to configure and use your Web Cart Online Store and Shopping Cart.

Web Link Guide

Detailed instructions on how to configure and use the Web Link hosted shopping cart.


We don’t leave you in the dark.

Though you will have access to all of the Worldpay Link Gateway integration guides, as well as sample code, we realize that sometimes you just need to speak to a real person. We offer a dedicated payment systems support team to assist you along the way.


Download our 7-page white paper for more details about Novera Payment Solutions' WorldPay integrated payments API. Learn the benefits and features of the API, understand the importance of using an EMV ready PCI compliant solution, and how to receive the API.


WorldPay Integrated Payments

Download the Worldpay API Whitepaper

Tags: accept credit cards, payment processing, integrated software vendor, isvs, isv

3 Reasons Why ISVs Choose the Worldpaylinkgateway for Credit Card Processing

Posted on Tue, Sep 01 2015 @ 11:33 AM

As an Integrated Software Vendor (ISV), when you choose Novera Payment Solutions and the Worldpay Link Gateway, you receive experts that can ensure seamless credit card payment integration, customer service and evolve with you as you grow. Our application support ranges in vertical markets including automotive, restaurant, healthcare and specialty retail, just to name a few. Novera can help you jump start your business and develop successful payments processing strategies. Link Gateway is a platform that allows you the flexibility to streamline and integrate payment systems with existing applications and software.

integrated software vendors

WHY CHOOSE NOVERA'S WORLDPAY API TO HELP YOU INTEGRATE PAYMENT SOLUTIONS?


3 REASONS WHY WE ARE THE LOGICAL CHOICE IN PAYMENTS

 

1.     We Provide Easy & Fast Payment Gateway Integration

We get you to market fast! Our software development kit (SDK) features multiple API programming languages across multiple platforms. Whether online, in person or on-the-go, our Worldpay platform makes it easy for your customers to take payments anywhere, anytime with our payment gateway integration.

2.     We Are Payments Processing EXPERTS

Through our integration with Worldpay, we understand the unique needs of your business and your customers. That’s why connecting your solution to our Link Gateway means more than a technical integration. We simplify your customer’s PCI obligation with our Level 1 PCI Compliant Data Centers.

3.     We VALUE Relationships with Our Customers

The bottom line is we strengthen your brand and increase conversions by building strong relationships. When you join with Novera Payment Solutions and Worldpay, you have a dedicated relationship manager to support you and your business. You can grow faster than the competition and offer your customers simple, secure and cost efficient systems and strategies.

Download our 7-page white paper to learn more about the WorldPay API, its benefits, credit card payments integration support, and our EMV ready PCI compliant solution.

integrated software vendor payment solutions

 

 Download the Worldpay API Whitepaper

Tags: accept credit cards, integrated software vendor, pci compliance, isvs, accept online credit cards, isv, emv

3 Benefits of Secure Payments for Integrated Software Vendors

Posted on Fri, Aug 28 2015 @ 11:12 AM

The Benefits of Our Secure Payments for Integrated Software Vendors

As an integrated software vendor, we understand that you are looking for a solution that is not only easy to integrate, but is EMV ready and PCI compliant. Novera Payment Solutions offers the WorldPay Link Gateway API for your payment processing integration needs ... a world class solution with secure payments at the forefront.

integrated software vendors

We Simplify PCI Scope

Using Novera’s SDK and Worldpay Link Gateway combination means the data for transactions processed using the gateway will be hosted outside your location so your customers’ PCI obligation will be simplified and secured. If you choose a service that requires cardholder data to be stored, such as recurring payments, the cardholder data is stored in our gateway for additional security. You have no need to worry – we take the burden off your hands.

We Are PA-DSS Compliant

The Worldpay.NET toolkit provides the ability to simplify PA-DSS Compliance and the associated time and annual audit costs since card data is not stored at the POS. The FirstMile™ Middleware also gives you the ability to read credit and debit cards from various hardware devices and securely process transactions via the Payment Gateway. By handling the hardware integration, FirstMile™ mitigates your exposure to costly and ongoing security support required in numerous processing environments

We Handle Fraud and Risk Management (FRISK)

Our proprietary FRISK™ risk management system provides a sophisticated suite of security and fraud detection and prevention options. This is great because each transaction submitted can be filtered through a customizable series of security and fraud detection rules to determine potential risk. Configuration of these rules is under your complete control using our user-friendly merchant administration website.

Our 7-page white paper outlines the benefits of the WorldPay Link Gateway API for integrated software vendors, as well as the integration support provided to make your development easy and fast. Download it today and receive the WorldPay API!

WorldPay Link Gateway API

 

Download the Worldpay API Whitepaper

Tags: accept credit cards, payment processing, integrated software vendor, pci compliance, isvs, isv, emv

9 WorldPay API Features for Integrated Software Vendors

Posted on Tue, Aug 25 2015 @ 12:25 PM

All business are different. We get that.

Novera Payment Solutions’ Worldpay Link Gateway offers reliable payments processing capabilities for integrated software vendors and is seamlessly integrated to our entire suite of products and services. Unlike many other payment processors, our servers are hosted in the USA and are maintained in a data center certified as meeting Level 1 PCI security standards.

integrated software vendors

Our integrated payment gateway features includes:

  1. Acceptance of All Payment Types
    Accept payments how and when your merchants want, including online, point of sale (POS), mail order/telephone order (MOTO) and mobile credit card payments.
  2. Real-time and Batch
    Flexibility to process payments transactions in real-time or use batch processing for increased efficiency.
  3. Stored Profile (Tokenization)
    Limit the risk associated with storing sensitive credit card data by using our tokenization and stored profiles.
  4. Recurring Billing
    Use our robust, recurring billing system that can be configured to suit the needs of your business for membership dues or subscription fees.
  5. WebPay 
    Our hosted payments service offers complete control over payments processing and customer service experience without the costs associated with security compliance for your hosted transactions.
  6. Fraud and Risk Management (FRISK) 
    The customizable fraud and risk management system enables you to maximize sales and minimize risk.
  7. InstantAccept™
    Our InstantAccept™ Payments integration plug-in for QuickBooks POS® helps expand the payment types you can accept, process, and automatically record them within QuickBooks®. This saves time and money!
  8. Electronic Check 
    This gives you flexibility to accept checks through online ACH, check conversion or check 21 and process them using the same integrated payments gateway process you use for all your other electronic payments. 
  9. Shopping Carts 
    Through our POS Systems, we offer the ability to integrate into a vast array of shopping carts including Volusion, X-Cart, and OS-Commerce.  

 

Get Started Today

Download our 7-page white paper to learn more about our integration support, as well as our EMV-ready PCI compliant solution for integrated payments. You can receive the Worldpay API today and integrate payments into your application to provide your customers with the payment options they need - card present, card not present and mobile.

 

Download the Worldpay API Whitepaper


WorldPay Link Gateway API

Tags: accept credit cards, payment processing, integrated software vendor, pci compliance, isvs, isv