Novera Payment Solutions

If you are ready to leverage a world-class payments program and take your business to the next level, the Novera Payment Solutions ISO & Agent program  is for you. 

We offer the most aggressive compensation plan available!

Residual ownership is included with the most aggressive compensation plan in the industry, as well as remarkable agent & merchant support. Our unique approach to merchant account sales enables us to partner with one of the most respected processors in the world (Worldpay) . Our Worldpay ISO and Agent program provides all the tools necessary to create your own path for the future.

Multiple Revenue Enhancing Programs Available

We have multiple revenue enhancing programs available to our ISOs & Agents, including:

• Debit, Credit, Check Service, Gift, Loyalty

• Interchange Pass Thru Pricing
• 80% Plus residual sharing
• 3.0 Cent I.P.
• 4.0 Cent Dial Up

• 1.0 Cent High Volume Merchant I.P.

• 2.0 Cent High Volume Merchant Dial Up
• Amex OPT Blue Direct Settlement Program
• Monthly & Quarterly Upfront incentive Dollars

In addition, all our ISOs and Agents are trained by a dedicated expert to quickly interact with Worldpay’s MSP support team for the fastest turn around available!

Benefits of Choosing the Novera Payment Solutions ISO & Agent Program

Reliability and Affordability

Our team is hands-on and we address your individual needs through 24/7 support. Novera has teamed with Worldpay because they provide the best platform in the industry, are big enough to matter, and small enough to care.

Service Variety

Our ISO & Agent program associates have access to an extensive array of payment options and a wide variety of services. We're an extension of your business and offer 24/7 customer support so you can service your customers in the way they deserve and expect.

Full Control of Your Portfolio

At Novera Payment Solutions, we provide tools and resources so you can focus on selling. Through our Worldpay integrated products and services, we become an extension of your business.

Ready to Get Started?

The Novera ISO & Agent program includes:

1. Merchant Services
   At the heart of Novera is a Worldpay merchant account.  We are transparent with our merchant pricing and you'll quickly learn why a merchant account including our “flat fee advantage” can be one of the best business decisions you’ll ever make.

2. Payment Integration
   Integrating payment processing to POS software applications has never been easier. Our API supports every type of transaction you need and you can trust that our solutions are PCI compliant and EMV ready.

3. Residual Revenue Stream
   Merchant accounts can generate a significant asset over time. We'll show you how to bring real value to your clients while generating a significant residual revenue stream along the way.

4. Reporting
   Multiple levels of reporting exist on our platform. If your looking for drill down reporting on a specific merchant transaction or high level residual reporting for your agent or reseller business, we have got you covered with our user-friendly, robust platform.

5. Complete Support
   We provide total support and guidance from merchant account conversion and on-boarding.  The the 24/7 365 Worldpay customer support in unparalleled!

If you are ready to build your business and increase your residual revenues, take a minute a request information about our ISO & Agent Program today!

Partnering with Novera Payment Solutions and Worldpay can create incredible opportunities for your revenue growth.

With our innovative ISO/Agent program, you'll gain industry-specific know-how and breadth of payment acceptance solutions to make your business an indispensable resource to your customers. Whether you’re an ISO or an Agent directly selling merchant services, the Novera Payment Solutions program offers a breadth of processing solutions and payments expertise. Our partnerships focus on helping you reach your business goals and offer a wide range of capabilities to increase your selling potential.

With the Novera Payment Solutions ISO & Agent program, you are leveraging a world-class payments platform to grow your business. Our unique approach to merchant account sales allows us to partner with one of the most respected processors in the world (Worldpay) . Today our Worldpay ISO and Agent program provides all the tools necessary to create your own path for the future.

Residual ownership is included with the most aggressive compensation plan available, remarkable agent & merchant support. Let’s not forget the technology you would expect from a world class organization. All our ISOs and Agents are trained by a dedicated expert to quickly interact with Worldpay’s MSP support team for the fastest turn arouind available.

Our ISO & Agent services include:

1. Merchant Services
   At the heart of Novera is a Worldpay merchant account.  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.

2. Payment Integration
   Integrating payment processing to POS software applications has never been easier. Our API supports every type of transaction you could ask for and we keep you in check for PCI compliance.

3. Revenue Sharing
   Merchant accounts can generate a significant asset. Let Novera show you how to bring some real value to your clients and generate a significant residual revenue stream along the way.

4. Reporting
   Many levels of reporting exist for your convenience. If your looking for drill down reporting on a specific merchant transaction or high level residual reporting for your agent or reseller business, we have got you covered.

5. Total Support
   We provide complete support and guidance from merchant account conversion and boarding all the way through 24/7 365 Worldpay customer support.

REVENUE ENHANCING PROGRAMS

We have multiple revenue enhancing programs available to our ISOs & Agents, including:

• Debit, Credit, Check Service, Gift, Loyalty

• Interchange Pass Thru Pricing
• 80% Plus residual sharing
• 3.0 Cent I.P.
• 5.0 Cent Dial Up

• 1.0 Cent High Volume Merchant I.P.

• 2.0 Cent High Volume Merchant Dial Up
• Amex OPT Blue Direct Settlement Program
• Monthly & Quarterly Upfront incentive Dollars

BENEFITS

RELIABLE & AFFORDABLE

We're hands on and address individual needs though our 24/7 support. Novera has teamed with Worldpay because they are big enough to matter, small enough to care.

VARIETY OF SERVICES

Our ISO & Agent program associates have access to multiple payment options and a wide variety of services. We're an extension of your business and offer 24/7 customer support.

CONTROL YOUR PORTFOLIO

At Novera, we give you tools and resources so you can focus on selling. Through our Worldpay integrated products and services, we become an extension of your business.

READY TO BUILD YOUR BUSINESS?

Accept payments anytime, anywhere.

Novera Payment Solutions has teamed with Worldpay to offer clients the ability to accept payments any time, anywhere using  smartphones or tablets with VeriFone PAYware Mobile. Whether you’re selling on the road or just starting out, our mobile and tablet payment solutions make payment acceptance easy. They’re incredibly quick to set up, accept all major credit and debit cards, and take payments in seconds.

Why choose our PAYware Mobile solution?

1. Convenient
   PAYware Mobile offers fast and easy payment processing. Multi-location businesses can process payments and manage reporting from all of their stores in one place, using a mobile device or computer.

• Easy to Use
  Download the PAYware Mobile app and turn your mobile device into a payment terminal. You can accept all major credit cards, debit cards, add tax and tips and email receipts on the spot.
• Back-up Checkout via PC
  With PAYware Connect, you can add payment processing capabilities to your laptop or PC for peak checkout periods, so you have a back-up terminal when you need it.

Novera Payment Solutions has teamed with Worldpay, a leader in the payments industry, to offer companies robust and affordable Gift and Loyalty Card programs.

One of the most successful (and affordable) sales strategies small businesses use to attract consumers is selling their own branded gift cards. By some estimates, 9-out-of-10 consumers have either purchased or received at least one gift card in the past year. In today's market, many consumers have come to expect the availability of gift cards for business.

With our gift and loayalty card programs, you can get up and runing quickly. In fact, you can start selling your personalized gift cards in as few as two weeks.

Additionally, your custom branded gift cards will: 

• Work on most existing credit card terminals
• Come with an array of easy-to-use reporting tools to help you manage your cards
• Include 24/7 cardholder support that allows consumers to check their balance online at
  Balance.WorldPay.us or via toll-free number 800.803.1222.

You Don't Have to Be Traditional Retail to Take Advantage of the Program

You may actually be surprised how many gift cards are purchased outside the traditional retail environment.

A Few Examples of Gifts Card Marketing Outside the Traditional Retail Environment

• Medical and legal practices often sell prepaid services with Gift Cards
• Community associations, such as chambers of commerce and downtown development authorities,
  often provide gift cards from local businesses to welcome new businesses and homeowners to the community ... which act as “coupons” that encourage local shopping
• Partner with other businesses for cross-promotional opportunities using your gift cards as incentives to shop locally
• In addition to selling them as gifts, restaurants and bars use them as “comp cards” if a guest has a less than pleasurable experience – giving you another chance to re-earn their business.

Contact us to get started today!

Gift cards will help you promote your business, build your brand, and attract new customers:

• Gift cards can generate brand awareness and encourage repeat visits
• Research shows that purchases made with gift cards tend to be 20% to 50% higher than the average
  purchase at a merchant location
• Approximately 70% of consumers making purchases with gift cards will spend more than the value loaded on the gift card.

We have several designs you can choose from and personalize for your business and clientelle.

WIth the Novera Payment Solutions Gift Card Program, you will receive all of the following with your initial order:

1. A display stand and sign to help promote gift card sales at your business
2. Gift Card carriers
3. A quick start guide
4. Reference Guide for Terminal Transactions
5. We also also provide online marketing tools to help you promote your gift card program, including:
   Window decals, Mailing inserts, and Posters
   
   

REQUEST A FREE QUOTE TODAY

It's here ... EMV® enabled VX 680!

Worldpay launched the first version of EMV software on the VX 680 wireless terminal, and it's now available to Novera Payment Solutions customers. This is the classic EMV software which is currently in the field on the VX 520. The Classic EMV software is debit preferring and will not support PIN Bypass (for those who have debit enabled).

The Classic EMV software will be available on all new VX 680 orders in 2017. Existing VX 680 customers will receive additional communication explaining how to update their software. VX 680 customers with a base station have the ability to update software on their own.

The Quick Chip EMV software for the VX 680 will be released in Q4 of 2017.

The Quick Chip software will allow the VX 680 to process transactions more quickly. The software will allow cardholders to run debits cards as credit transactions by using the PIN bypass feature.

Merchant Alert
Fraud Attack: Forcing a Fallback

A very common fraud attack has been identified in the payment industry; forcing a fallback. The fraudster will insert the card upside down, backwards, or with a faulty chip which forces a fallback. In the fallback scenario, fraudulent magstripe data is used for the transaction. It is very easy to produce a fraudulent magstripe card using stolen data. It is important that merchants realize this is a common fraud attack for which the merchant will be liable. Merchants should advise their staff to check that the card is inserted properly when a chip read error occurs.

If you would like additional information about the EMV Enabled VX680, upgrading your existing VX680,  or fraud attack forcing a fallback, please contact Novera Payment Solutions.

The brand new Worldpay Total Virtual terminal is here, and there are a host of benefits that your merchants will want to know about!

What is the Worldpay Total Virtual Terminal?

This Virtual Terminal provides merchants with the ability to process cards from anywhere they have an internet connection. Offering merchants convenience, choice, and control over when and where they take payments.

• Secure Web-based application
• Host-based processing
• Attractive alternative to traditional terminals
• Transactions may be swiped or keyed

Key Benefits and Features of this All New VT Solution

• Point-to-Point Encryption, Tokenization, EMV Chip Card Acceptance
• Automated billing: real time transaction processing and card management reports
• Mail Orders, Telephone Orders, POS, Card Present, Card Not Present with open APIs
• Enable rights and permissions so that designated users can process specific transactions such as refunds
• Customizable on-demand and scheduled reporting options
• Create and send invoices online, allowing cardholders to make payments online, automatically marking invoices as paid
• 24/7 customer support to help you drive continued success

Interested in Becoming an Agent & ISO?

Worldpay Revenue Enhancing Programs

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

Supported Product Groups

• Over 1600 Certified VAR/Gateway Options
• 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

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.

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!

 

 

A common misconception by many small businesses is that they are too small to have to worry about PCI compliance. This couldn't be further from the truth. If you accept credit cards, you are required to be PCI compliant. If you are not, your dog walking business can face very steep fines. This is where the BetterWalker and Novera Payment Solutions payments integration comes into play. Our integrated payments solution is PCI compliant and EMV ready.

It's important for you to be informed about PCI Compliance, however.

Here's what you need to know.

You are solely responsible for securing your customer cardholder data to meet Payment Card Industry rules.

Small businesses are prime targets for data thieves ... in fact, they are some of the biggest targets because they are the easiest targets. It’s your job to protect cardholder data at the point-of-sale. If cardholder data is stolen (and it’s your fault) you could incur fines, penalties, even termination of the right to accept payment cards, which could be catastrophic for your business.

Why Does PCI Compliance Matter for Your Business?

According to the PCI Security Standards website, more than 340 million computer records containing sensitive personal information have been involved in security breaches in the U.S. since 2005. Criminals target small merchants because most have minimal security for cardholder data. More than 80% of attacks target small merchants.

If you are at fault for a card holder security breach, your small business can face:

• Fines and penalties
• Loss of the ability to accept payment cards
• Cost of reissuing new payment cards
• Legal costs
• Fraud losses
• Loss of the business

What to Secure

Focus first on protecting the cardholder data under your control.

You are responsible for protecting cardholder data at the point of sale, and as it flows into your credit card payment system. The single best step you can take is to not store any cardholder data.

PCI compliance includes protecting:

• Card readers
• Point of sale systems
• Store networks & wireless access routers
• Payment card data storage and transmission
• Payment card data stored in paper-based records

Small Businesses May Evaluate with a Self-Assessment Questionnaire

Most small businesses can use a self-validation tool to assess their security for cardholder data, which includes a short list of yes-or-no questions for compliance. You can access self-assessment questionnaires on the PCI Security Standards website.

How to Meet the PCI Security Standards

The PCI Security Standards website is an invaluable resource for small businesses working to be PCI compliant. Their suggestions include:

• Buy and use only approved PIN entry devices at your points-of-sale. 
• Buy and use only validated payment software at your POS or website shopping cart. 
• Do not store any sensitive cardholder data in computers or on paper.
• Use a firewall on your network and PCs.
• Make sure your wireless router is password-protected and uses encryption.
• Use strong passwords.
• Regularly check PIN entry devices and PCs to make sure no one has installed rogue software or “skimming” devices.
• Teach your employees about security and protecting cardholder data.
• Follow the PCI standard ongoing 3-step process (below)

PCI Compliance: Ongoing 3-step process

• Assess
  This includes identifying cardholder data, taking an inventory of your IT assets and business processes for payment card processing, and analyzing them for vulnerabilities.
• Remediate
  Includes fixing vulnerabilities and not storing cardholder data unless you need it.
• Report
  Includes compiling and submitting required reports to the acquiring bank and card brands you do business with.

The bottom line is that PCI compliance DOES MATTER no matter what the size of your business. We understand that it can seem cumberson for small businesses, but that's no reason to put it off or ignore it. The livelihood of your business may be at stake if you suffer a data breach.

The Novera Payment Solutions team works with small businesses like yours to help alleviate the burden of meeting the PCI compliance standards. It's just one of the reasons that BetterWalker has chosen Novera Payment Solutions as a merchant partner to provide credit card processing for their users!

With Novera Payment Solutions and BetterWalker, you can rest assured that the payment processing system for your dog walking business is PCI Compliant.

Request a FREE Quote Today!