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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.


webinar2.jpg

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.

therabill1-1.jpg

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

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.


novera.jpg

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

Introducing No Scope - Simple Payment Integration

Posted on Fri, Nov 13 2015 @ 03:22 PM

Attention ISVs : Looking for Simple Payment Integration?

No Scope is a simple, customizable, and scaleable solution for software vendors looking to easily integrate payments with Worldpay. No Scope is comprised of two Integrated POS solutions. No Scope .DLL and No Scope SDK. In each case the terminals have been coded for EMV, swipe, debit, EBT, gift and loyalty, as well as the ability to completely customize the terminal screens.

ISV Payment Integration

No Scope WIN.DLL

No Scope .DLL is a easy to install and allows the Software Vendor to code the merchant system to communicate with Ingenico 250, 350 and 480 devices as well as VeriFone 915 and 925 devices. All
of these devices are designed to support retail, medical, B2B and other customer facing checkout environments. The API supports a USB, RS232 and LAN network environment. The .DLL enables the coder to complete design and deploy in minutes their own EMV marketing screens on these devices.


No Scope SDK

No Scope SDK is a simple API that allows the Software Vendors to code the merchants system PAX D210/D200 BCM , S80 LAN and S90 CDMA GPRS terminals. Our D210 and D200 terminals are specifically designed to support Pay at the Table, Tablets, Smart Phones and Mac. The API supports a Wi-Fi network environment using a WPA encryption for security reasons, and allows local and cloud communication between the device and the POS system.


Gateway Connections

The actual transaction-processing environment goes from the Payment Terminal to the WorldPay Link Gateway utilizing a SSL network implementation. This is all done for the Software Vendors, meaning all you have to do is code the connection to the hardware via a simple SDK or .DLL and design the flow and marketing screen on the terminal UI.

Enjoy Peace of Mind with the EMV Transition

The Novera Payment Solutions team understands that protecting your business and your customers is very important. Novera provides the tools and support you need to help simplify your PCI obligations and EMV integration.

 

No Scope Supports:

  • Point-2-Point Encryption (P2PE).
  • EMV
  • PA-DSS 3.0 Out-of-Scope.
  • Tokenization Vault.
  • Recurring Billing
  • Conveniences Fees

To request more information or become a partner please contact Sean Grace:
sean.grace@noverapaymentsolutions.com

Request Information About Our ISV Program

 

Tags: payment processing, isv, payment integration

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 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

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!

pci compliance

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

ISVs - Easy & Fast Credit Card Payment Gateway Integration

Posted on Tue, Jun 30 2015 @ 04:39 PM

We Make It Easy for Software Developers to Integrate Payments

Novera Payment Solutions is excited to offer a new multifaceted API for software developers with WorldPay’s new Link Gateway feature. The Link Gateway allows you to easily integrate payments into mobile, P.O.S., and even QuickBooks® processing solutions, it can even utilize multiple processor platforms. This new gateway makes it easy for merchants to accept payments anywhere they do business.

integrated software vendor ISV

Our SDK features multiple API programming languages across multiple platforms. Whether online, in person or on-the-go, Novera Payment Solutions and Worldpay make it easier for your customers to take payments anywhere, anytime with our payment gateway integration solution.

Concerned about the EMV transition or PCI compliance?

We are payment processing experts. With WorldPay as a direct acquirer, we understand the unique needs of your business and your customers. That’s why connecting your solution to our link gateway means more than just a technical integration. We simplify your customer’s PCI obligation with our Level 1 PCI Compliant Data Centers and we are ready for EMV !

Novera's Worldpay Link Gateway offers multiple API programming languages which allow you to easily and securely integrate your custom software application. We make sample scripts  available to shorten the learning curve and speed your development.

Our SDK provides multiple integration platforms including:

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

We provide detailed Worldpay Link Gateway payment integration guides  so you have all the information you need for a secure and successful software integration. In addition, we have a team of experts you can contact with questions along the way.

Security: 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. 

Security: PA-DSS Compliant

Our .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. FirstMile Middleware 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 the ISV’s exposure to costly and ongoing security support required in numerous processing environments. 

Security: Fraud and Risk Management (FRISK)

The proprietary FRISK™ risk management system provides a sophisticated suite of security and fraud detection and prevention options. 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.

 

Contact Novera Payment Solutions for Your Credit Card Payment Integration Needs

The Worldpay Link Gateway offers reliable payments processing capabilities and is seamlessly integrated to our entire suite of products and services.

Our servers are hosted in the US and are maintained in a data center certified as meeting Level 1 PCI security standards.

When you choose Novera's Worldpay Link Gateway, you receive a team of experts that can ensure seamless payment integration, customer service and evolve with you as you grow.  Our Link Gateway is a platform that allows you the flexibility to streamline and integrate payment systems with existing applications and software.

The WorldPay Link Gateway is PA-DSS compliant as required by PCI rules. This will put your clients at ease and allow them to focus on their business.

REQUEST A  FREE NO-OBLIGATION CONSULTATION TODAY

Receive the Worldpay API


Tags: payment processing, integrated software vendor, pci compliance, emv transition, credit card processing, flat fee credit card processing, isv, emv

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