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Eliminate the Smoke & Mirrors Around Credit Card Processing - Free Webinar

Posted on Thu, Oct 12 2017 @ 12:44 PM

Accepting credit cards for your business  is not optional in today's marketplace, it's essential. The challenge is understanding all the fees associated with this necessity. Many credit card processing companies take advantage of business owners' lack of knowledge using bait and switch tactics when quoting rates. Our FREE upcoming webinar will help you eliminate the smoke and mirrors around the rates so you can make smart (money saving) decisions when choosing your processor.

Novera Payment Solutions is pleased to once again offer our popular "Understanding Credit Card Processing" webinar. This webinar will take a short 40 minutes of your time, and will arm you with the information you need to ensure you do not overpay for credit card processing.

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If any of these questions apply to you, this webinar will be an excellent use of your time.

  1. Is your statement from your merchant processing company complicated and confusing?
  2. Do you fully understand the difference between "Qualified", "Mid-Qualified", "Non-Qualified", and how these terms determine what you are charged for each transaction?
  3. Are you PCI compliant?
  4. Are you surprised by the credit card processing fees you incur each month?
  5. Do you have to wait several days to see the payments deposited in your account? 

LET'S CLEAR THE SMOKE & MIRRORS
REGISTER TODAY!

Join us in an educational webinar on October 19, 2017 @ 2:00 PM EST designed to help you understand the in's and out's of credit card processing. This FREE webinar will be 45 minutes or less and we guarantee you will take away practical information to help you make smart choices when shopping around for credit card processing services. There's a good chance this webinar will save your business money too!

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 for your own merchant account
  • Knowledge on how to make sure you are getting a truly fair deal for payment processing services (you'd be surprised the percentage of companies who are being taken advantage of -- make sure yours isn't one of them!)
  • Awareness of the latest in technology available in the market place today, including mobile payments
  • Practical tips that you can implement right now to keep your processing costs down
  • Best practices for keeping your customers' cardholder data secure, including EMV and maintaining PCI compliance.
Register Today!

Tags: flat fee merchant account, merchant account, pci compliance, credit card processing, flat fee credit card processing, emv

Understanding Credit Card Processing & Associated Fees : FREE WEBINAR

Posted on Thu, Jul 20 2017 @ 03:02 PM

Tired of looking at your merchant processing statements and all the fees that seem to make your eyes cross and your blood pressure rise?

Novera Payment Solutions is pleased to offer our popular "Understanding Credit Card Processing" webinar. With just days left to register, you'll want to reserve your spot today.


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If you answer, "YES" to any of the statements below, this webinar will be an excellent use of your time (and it will save you money).

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

IT'S TIME TO GET REGISTERED!

Let us make sense of it all for you. Once you understand how the fees work, you'll be empowered to make more informed decisions about your credit card processing partner. Trust us, this 45-minutes will open your eyes and show you how to save money on this critical part of your business operations.

Join us in an educational webinar on JULY 25, 2017 @ 2:00 PM EST 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

PHP POS - Not Your Average POS System

Posted on Fri, Jul 07 2017 @ 12:14 PM

You've Asked For It & Novera Payment Solutions Integrates With It!
It's POS software that works on ANY device.

The PHP POS interface is optimized for tablet on both iOS and Android Devices, as well as smart phones and desk tops. It includes full e-Commerce integration and enables you to sync inventory with WooCommerce, natively. What's more, customers can pay with debit card, credit cards, e-checks, and more through Novera Payment Solutions seamless integration for online payments.

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More than 2500 stores are now using PHP POS due to the array of features natively available including:

  • ECOMMERCE INTEGRATION
    Easily sync inventory, item images, categories and tags with a WooCommerce web store.
  • INVENTORY MANAGEMENT
    Do whole or partial inventory counts and stay up to date with Email Inventory alerts and warnings.
  • EMAIL MARKETING
    You can keep in contact with your customers with our mailchimp integration.
  • EASY IMPORT AND EXPORT
    Quickly Set up your Store by Importing your Customers, Items, Suppliers, and Giftcards with our New Import/Export tools.
  • REPORTS
    Get comprehensive insights into your business with 40+ detailed reports designed for you.
  • PROMOTIONAL SALES
    Easily create sales on items such as "Buy One Get One" or "Spend $100 get 50% Off" and more!
  • MULTIPLE LOCATIONS
    Designed so you can easily add store locations as your business requirements change.
  • BARCODE LABEL PRINTING
    Easily Create barcode labels for your products when they arrive in your store or on demand.
  • MULTIPLE LANGUAGES
    Designed to support multiple languages. PHP Point Of Sale Currently supports 10 major languages. We can add additional languages by request.
  • EMPLOYEE TIME CLOCK
    Easily Track your employee's time on the job with an integrated time clock feature. You can also set up commissions for each employee.
  • EMAIL RECEIPTS
    You can easily set up PHP Point of sale to send receipts, invoices, and purchase orders to customers and suppliers via Email.
  • PAYMENT OPTIONS (This is where WE come in!)

    In addition to Integrated Credit Card, EBT/EBT Processing, Cash, Check, Giftcards you can define your own custom payment methods with PHP POS.  Process all major credit cards seamlessly integrated into the system. With the partnership through Novera Payment Solutions, PHP POS offers credit card processing solutions for mobile devices such as iPad, iPhone, and many Android devices - EMV-Ready!

    The benefits are many, not the least of which is that Novera offers transparent and easy to understand pricing options. 

    All Credit card processors have the exact same underlying costs known as Interchange, Novera’s transparent pricing options allow you to understand exactly how much you will pay for payment processing and why. Don’t be fooled by other processors advertised rates with junk fees hidden in the fine print.

    • Integrated Credit & Debit Card Acceptance
    • Discounted Flat Rate and Cost-Plus Pricing Options
    • Accept All Major Card Brands
    • Easy to Understand Online Reporting
    • 24/7 Customer Care and Tech Support
    • EMV Ready (chip & pin)
     

REQUEST FREE QUOTE FOR PHP POS PAYMENTS INTEGRATION TODAY!

Request Information About PHP POS Integration
 
 
 

Tags: accept credit cards, flat fee merchant account

Understand Credit Card Processing & Save Money - FREE Webinar

Posted on Mon, Apr 10 2017 @ 09:34 AM

It's that time again! Novera Payment Solutions is pleased to offer our popular "Understanding Credit Card Processing" webinar. With just a couple weeks left to register, you'll want to reserve your spot today.


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If you answer, "yes" to any of the statements below, this webinar will be an excellent use of your time.

  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 April 25, 2017 @ 2:00 PM EST 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

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

4 Reasons to Integrate Novera Payment Solutions with Your Therabill Software

Posted on Tue, Feb 14 2017 @ 09:09 AM

Therabill and Novera Payment Solutions is dedicated to providing you with the most streamlined system available for processing cards directly within Therabill. Novera has been selected as the preferred provider of integrated payment processing for Therabill for good reason! We understand that not all therapy practices are alike, so Novera’s transparent pricing options are designed to guarantee you receive the most cost-effective processing rates tailored specifically to your practice.

Whether you take advantage of our simplified Flat Rate program or our revolutionary transparent Cost Plus Flat Fee pricing we guarantee that you won’t pay more than you currently pay for credit card processing and in most cases you will even pay less.

With Novera Payment Solutions integrated solution you will:

1. ACCEPT CREDIT CARD PAYMENTS DIRECTLY WITHIN THERABILL

Easily integrate your Novera Payment Solutions merchant & gateway account with your Therabill account. On your end, that means you can quickly post credit card payments directly to patient accounts. Novera's credit card gateway allows you to enter credit card data in one of two ways: keying in the information manually or swiping the card with a USB swiper that attaches directly to your computer. There is also the option of having our system securely store the credit card data on the secure PCI-compliant gateway. Reducing the need for patients to present cards at every visit. 

2. RECEIVE ONLINE PAYMENTS THROUGH THE PATIENT PORTAL

With the Therabill Patient Portal, patients can see their balance owed and pay directly online at their convenience. After your review you can easily post the payment to the patient record with the click of single button.

3. IMPROVE REVENUE CYCLE MANAGEMENT

therabill1.jpgRevenue cycle management is the lifeblood of a successful practice. 

a) With Therabill and Novera, patient billing is a breeze. There are two different statement formats: balance and ledger. Select whichever you prefer and quickly bill your patients. Patients can then pay directly through the patient portal.

b) When your insurance companies send ERAs directly to our system, Therabill will receive and post them to your account. Then, you complete the payment-posting process with little more than a click of your mouse.

4. RECEIVE TRANSPARENT AND COST EFFECTIVE PRICING OPTIONS:

With two pricing plans and our rate match guarantee, you can rest assured the you won't be paying more, and more than likely you'll be paying much less!

Plan 1.) A Cost-Plus Flat Fixed Fee: Tailored to fit your practices specific needs. The Flat Fee ranges from $39.95 - $99.95 per month depending on your average monthly volume and is fixed for the life of your account. (Great for larger volume clinics)

Plan 2.) A simplified Flat Rate: 2.99% + $19.95 per month. (Great for starting clinics or clinics on the grow)

Rate Match Guarantee: If it is determined that your current credit card processing rates and fees are less expensive than the preferred rate plans described above, then Novera will gladly match your existing rates. 

Request a Free Quote Today!

Request More Information

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Tags: flat fee merchant account, phyisical therapist merchant accounts

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

Join the Novera and WorldPay ISO & Agent Program

Posted on Wed, May 18 2016 @ 11:04 AM

If you have a sales background or credit card processing background and are ready to start your own business selling credit card processing, look no further than our Novera Payment Solutions ISO & Agent program. We offer robust revenue enhacing programs, support multiple product groups, and offer many ISO/Agent benefits! Through our relationship with Worldpay, we are able offer world-class merchant processing solutions, with unparalled support.

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NoveraAgent & ISO Worldpay Revenue Enhancing Programs

  •  Debit, Credit, Check Service, Gift, Loyalty
  • Interchange Pass Thru Pricing
  • 80% Plus Residual Sharing
  • 3.0 Cent I.P.
  • 5.0 Cent Dial Up
  • Reporting Portal
  • 1.0 Cent High Volume Merchant I.P.
  • 2.0 Cent High Volume Merchant Dial Up
  • Amex OPT Blue Program
  • Upfront Incentive Dollars

Supported Product Groups

  • Over 1600 Certified VAR/Gateway‘s
  • Dedicated ISV Software Vendor Program
  • Integrated POS & Terminal Products
  • Mobile Payments
  • Direct API & Gateway Capabilities
  • QuickBooks® Integration

ISO/Agent Benefits

  • No Liability or Risk
  • 24/7 Merchant Support
  • Dedicated ISO/Agent Relationship Team
  • Web Based Order Entry and Tracking
  • Residual Reporting/CRM Portal
  • Inbound Marketing & Lead Support
  • Online Resource and Training Material

 

Interested in learning more?

Complete the short form below and one of our team members will contact you. We'd love to speak with you about our ISO & Agent program.

Tags: flat fee merchant account, ISO, Agent

PCI Compliance - What You Need to Know About PCI 3.0

Posted on Thu, Jul 30 2015 @ 12:32 PM

With several businesses recently experiencing data breaches, it's more important than ever to protect your business and cardholder data from hackers. What many small businesses don't know is that the steps toward PCI compliance have changed with the Jan 1, 2015 introduction of PCI 3.0. Here's what you need to know!

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Why did the standards change?

The PCI Standards are updated based on feedback from the industry and response to current market needs.

Drivers for this change included:

  • Lack of education and awareness
  • Weak passwords, authentication
  • Third-party security challenges
  • Slow self-detection, malware
  • Inconsistency in assessments

The changes in version 3.0 were designed to help organizations take a proactive approach to protect cardholder data that focuses on security, not compliance, and makes PCI DSS a business-as-usual practice.

Education and awareness

Lack of education and awareness around payment security, as well as poor implementation and maintenance of the PCI Standards, lead to many of the high-profile security breaches that have been in the news. Updates to the standards are geared towards helping businesses and organizations better understand the intent of requirements and how to properly implement and maintain controls across their business.

What's New?

  • Best practices for implementing security into business-as-usual activities to maintain ongoing compiance
  • Navigating the PCI DSS guidance was added for easier understanding of each requirement and security goal
  • Req. 8.4 - Password education for users
  • Req. 9.9 - POS security training and education

Increased flexibility

Changes in PCI DSS and PA-DSS 3.0 focus on  the most frequently seen risks that lead to incidents of cardholder data compromise. These include weak passwords and authentication methods, malware, and poor self-detection. Added flexibility on ways to meet the requirements enables business and organizations to take a more customized approach to addressing and mitigating common risks and problem areas.

What's new?

  • Req. 8.2.3 - allows for organizations to implement the password strength appropriate for its security strategy
  • Req. 10.6 - More flexiblity to prioritize log reviews based on the organizations risk management strategy

Security as a shared responsibility

Today’s payment environment is complex, creating multiple points of access to cardholder data. Changes introduced with PCI DSS and PA-DSS focus on helping business and organizations understand their PCI DSS responsibilities when working with different business partners to ensure cardholder data security.

What's new?

  • Guidance on outsouorcing PCI Dss responsibilities
  • Req. 12.9 - PCI DSS responsiblities for service providers

In order to stay competitive in terms of security and compliance, businesses and organizations need to have a structured and continuos approach to solving ongoing security challenges, but it has to be easy enough to implement every day.  This is what PCI 3.0 is all about.

About Novera Payment Solutions

Novera Payment Solutions takes the worry off your plate. Our payment processing systems are PCI compliant and secure.  Our goal is to make payment processing easy and affordable. Our flat fee merchant account pricing saves businesses money, and our next day deposits ensure they have their money fast.

Request a FREE QUOTE

 

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

If You Accept Credit Cards, You Must Protect Card Holder Data

Posted on Thu, Jul 30 2015 @ 12:29 PM

In October 2015, merchants will be liable for fraud on card-present transactions if the customer presents a chip card and the merchant doesn't have the proper system (EMV) in place to accept it. This means credit card merchants who don't make the switch to EMV technology may have to pay chargeback fees on any fraudulent transacations that occur.

emv transition

While EMV technology is extremely important, there is much business owners can do to protect card holder data and minimize fraud while they don't have EMV technology implemented.

Card Present Transactions

Confirm the last four on the card match the four digits on the terminal

Before completing the transaction, verify that the last four numbers showing on the terminal actually match the last four numbers on the front the credit card. As a consumer, you may have experienced being in a business and making a purchase where the clerk asks for the card after you swipe it. They are doing this to visually confirm the last four digits match. It's a simple, yet effective way to minimize credit card fraud in your business. Once EMV technology is implemented, this process becomes automated. But while your business is still running magnetic stripes, this step is important.

Confirm the customer is the cardholder

This is as simple as matching the signature on the sales receipt (or signature display) to the signature on the back of the card.  If there is not a signature on the back of the card, request to see a drivers license or other form of ID containing a photo and signature.

Card Not Present Transacations

Destroy card holder data in a secure manner

If you take orders over the phone or have to write down/record card holder data for some reason, it's essential that you destroy in a secure manner and in a timely manner after use. A cross cut shredder is advised.  Be aware, according to the PCI Compliance guidelines, you are not supposed to save or store card holder data in a non-secure environment.

Avoid sending or requesting card holder data through non-secure systems

Never request card holder data via email, and never send card holder data via email.  Never setup non-secure online forms to collect card holder data.

Do not setup non-secure online forms to collect card holder data

Online forms on websites that arenot secured with the proper SSL certificates and form encryption technology are dangerous and vulnerable. They are not secure and they are not PCI Compliant. Do not use them.

Do not store electronic card holder data locally

Cardholder data must be stored only on a server dedicated to processing credit card transactions, protected by a dedicated firewall, and subjected to quarterly security scans. You should not store cardholder data on a web server, laptop, tablet, PDA, or on portable media such as a USB drive. All are highly vulnerable to security breaches and they are not PCI Compliant.

Concerned About Card Holder Data Security?

You should be!

Working with a company like Novera Payment Solutions can help ensure you are meeting all PCI compliance requirements and conforming to industry best practices, enuring your business (and your customers' card holder data) is protected. Combined with our innovative flat fee merchant account pricing model, Novera Payment Solutions not only ensures your business payments security, but also saves your business a significant amount of money in credit card processing fees.

Request a FREE QUOTE


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