VoIP technology can be confusing to people who have never experienced the difference. Here, we outline the basic differences between VoIP technology and your traditional business phone service. Your modern business needs VoIP … out with the old and in with the new! 

IP NETWORK CONNECTION (VoIP)

VoIP technology uses a completely different infrastructure than traditional phone service does. Instead of your phone calls traveling over the phone company’s network, Internet broadband service connects your local IP Network to the cloud where most VoIP providers host their feature-enabling PBX (Private Branch Exchange).

The difference is truly revolutionary: Access to phone service and the Internet are achieved over the same broadband connection. This opens us features and mobility options for your business that enhance your capabilities and save you money. Rather than having outdated hardware in your office, VoIP system can be updated remotely and automatically, which can make the costs considerably less than traditional business phone systems.

TRADITIONAL PHONE TECHNOLOGY

While traditional phone service has been around for many years, the technology is increasingly regarded as antiquated and expensive.

Business phone service is commonly delivered over the PSTN (Public Switched Telephone Network) with either an on-site PBX (private branch exchange) with trunks to the phone company or POTS (plain old telephone service) lines. (That just SOUNDS old, doesn’t it?)

PBX is installed at the business location to enable calling features, like routing.  The problem is, it is typically more expensive to install and maintain, and it is vulnerable to events ranging from natural disasters to vandalism.

POTS are more similar to your basic home phone service and lack the robust features modern businesses require.

As business VoIP systems gain prominence, traditional providers must adapt to meet business needs, a process that is proving to be slow and costly.

YOUR BUSINESS DESERVES THE BEST

With Novera and our relationship with Vonage, you get the best of both worlds. You can take advantage of cost-saving, world-class VoIP and still have the personalized attention and support that Novera is well known for.

We’d love to talk with you about how we improve your business phone systems through the power of VoIP!

Novera Payment Solutions has teamed with WorldPay to offer world-class, simple payment gateway integration for software developers. Imagine, a single stack of APIs for all payments: card present, card not present, and mobile. This is truly payments integration made easy.

Software Developers can now easily integrate:

• eCommerce
• Point of Sale
• iOS & Android
• Recurring Billing
• Tokenization
• Language Agnostic

Why Choose Novera & WorldPay for your Payment Gateway  Integration?

1. WorldPay APIs are language agnostic

You can code in JSON, Ruby, Python, .NET, JAVA, and PHP supported with robust libraries. Our API documents make integration a extremely easy with industry-specific tips, interactive sample code and well-defined steps.

2. Fortress Level Security is a Given

• PCI Compliance
  Worldpay is a certified PCI Level 1 service provider, achieving the highest level of certification available.
• Vault
  We store sensitive payments data in our secure vault so it never enters the merchant’s environment.
• Tokenization
  Encryption through sophisticated tokenization renders card data useless to thieves as it passes safely to our servers.

3. You can Scale for Growth

You can grow as quickly as you like with Worldpay's integrated payments. WorldPay was recently named the fastest payment processor by speed and transaction volume size. With the incredible service availability and proven fraud protection, you never have to worry about scalability.

4. Seamlessly Integrate with Leading Shopping Carts

Novera and WorldPay have partnered with many of the most popular shopping carts such as FoxyCart and BigCommerce to make integration extremely quick and simple.

5. Take Advantage of Low Flat Fee Pricing

We'll always save you money on processing because we have a direct connection to the credit card networks. WIth Novera's innovative flat fee pricing model, your customers will save substantially over other tiered rate providers.

Contact Novera Payment Solutions today for more information!

 

Accepting credit cards for your business is essential in today's marketplace. However, the fees are complex and the challenge is understanding the various types of fees associated with accepting credit cards. Several credit card processing companies take advantage of business owners' lack of knowledge and overcharge them ... by a lot!

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

 

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?

 

REGISTER TODAY!

Join us in an educational webinar on January 14, 2016 @ 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.

Start 2016 off right ... set your business up for significant savings on credit card processing fees and join us for this FREE webinar!

Novera ISV QIR Notice 

VISA has recently announced a new mandate that will affect installations via software vendors during 2016 and beyond. The mandate is intended to improve security for payments.

 

Some of the highlights that Integrated Software Vendors need to be aware of:

• Each ISV / Reseller that installs POS systems that accepts payments via the POS will be required to have a certified QIR 
• Start date is March 31, 2016
• Training can be completed via “e-learning” course (6 hour)
• An exam is required once training is completed        
• Special pricing is provided through Novera as long as you register prior to January 31, 2016 ($75.00 vs $375.00)
• The process first requires your company to be approved, then the designated individual can sign up for training

If you would like to take advantage of the Novera / WP special pricing  please contact us and we can get you set up.

A link to the PCI Security Standards Organization Website / QIR section is below for your reference.

https://www.pcisecuritystandards.org/program_training_and_qualification/qualified_integrator_and_reseller_certification

A link to PCI Security Standards Organization Website / QIR section is below for your reference.
https://www.pcisecuritystandards.org/program_training_and_qualification/
qualified_integrator_and_reseller_certification

If you have any immediate questions please feel free to contact Sean Grace at Novera Payment Solutions directly. We will provide additional information as it becomes available. We strongly recommend you at least register at the discounted price as soon as possible.

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

Businesses of all sizes are making the change to hosted VoIP service. The reason is simple. With Novera's Vonage Cloud VoIP service, you’ve got 40+ built-in calling features that enable your business to do more. And thanks to cloud technology, features are hosted online instead of in your closet. Now that's smart busines!

Need more reasons to make the the change to business VoIP?
Here are four more! 

1. VoIP is Cost Effective, Flexible and Easy

New lines are easily added to your phone system anytime, and there is absolutely no hardware to maintain on your end. Because it is hosted in the Cloud, all of your lines are updated with the latest software and features with no hassle to you or your business. Easy and secure ... smart!

2. VoIP Makes for a Healthy Bottom Line

One of the main reasons businesses decide to switch to our multi-line phone system through Vonage is its extremely low cost. For one simple flat fee per user, you can save between 50% – 85% percent over a standard phone system. 

3. VoIP Offers the Flexibility to Grow

Novera's Vonage Business VoIP requires no annual contract hosted service. This means that you simply subscribe to the service, and there are no installation fees. There is no equipment to buy or lease, except for the phones themselves. At Novera, our goal is to help your small businesses grow. When you succeed, we succeed.

4. You Are Always in Charge with VoIP

New lines are easily added to your phone system any time and your entire system is customizable from a user-friendly web portal that gives you total control over your multi line phone system and account. You can change voicemail greetings, phone menus, and virtual receptionists from the Admin Portal. 

Ready to explore Business VoIP?  Contact Novera Payment Solutions for a free quote!

 

The technology between traditional phone service and business VoIP solutions differs greatly and business owners should be informed when making a choice between the two. Over last ten years, the convergence of VoIP technology and the cloud-hosted PBX has revolutionized the business phone landscape, and it's important for you understand the benefits as a business owner.

Traditonal Copper-wire Connection vs. High-speed Internet

Traditional copper-wire service: This technology has been in place for many, many years. The technology that runs over telephone wires in nearly every community in the United States.

High Speed Internet : Business VoIP phone systems connect over high-speed Internet and are rapidly gaining popularity among small to mid-sized businesses.

Cloud-hosted vs. On-premise

VoIP providers like Vonage host the business phone system’s nerve center in the cloud. Traditional providers build and maintain their PBX on premise at each businesses' office. The real benefit is in hte cloud hosted solution -- it has truly revolutionized the business phone landscape. Cloud hosted VoIP systems now provide small businesses the advantage of new and more-capable calling features, full mobile access, and dramatically reduced pricing.

Small and mid-sized companies can now easily leverage what are normally considered “big business” phone features – and do business however and wherever they choose.

As an example: 

• Using interactive voice response to answer and route inbound calls to a specific employee or department.
• Placing customers into a call queue as they wait for a representative, or automatically request a return call when the next representative becomes available.
• Maintaining communications through natural disasters by simply plugging their phones into a different high-speed access point or through mobile applications.

With Novera Payment Solutions' Vonage VoIP solution, you receive an array of benefits over traditional copper-wire phone technology.

	Business VoIP (Cloud-hosted PBX)	Traditional Copperwire (On-premise PBX)
Cost of Ownership	No PBX equipment	Purchased PBX equipment + maintenance contract
Security / Safety	Monitored 24/7 by service provider	Customer assumes risk
Scalability	Unlimited	Limited
Features / Updates	Automatic updates (virtual)	Added at each customer location
System Management	Web-based user portal	On location by appointment
Call Capacity	Multiple calls per extension	Limited to number of shared lines
Reliability	Dependent on in-house network and platform	Dependent on physical hardware
Implementation	Quick and simple	Complex and time intensive

 

You Get All the Latest Features Without Requiring Hardware Upgrades at Your Location

A hosted VoIP solution is in essence a software system running on highly redundant servers in a professionally managed data center, assessable via the Internet –unlike a hardware and software system operating in a company’s server closet. The beauty of the cloud hosted VoIP solution is that by simply making changes to the software that sits in the cloud, customers can seamlessly receive new features to their system without requiring hardware upgrades or software for every single business phone or location.

What Are You Waiting For?

Compare the advanced features, quality, customer service, and cost-effectiveness of Vonage to other business phone systems. Don’t settle for a low-end, consumer-oriented voice system – all VoIP offerings are not alike. Request a free quote for Vonage VoIP with Novera Payment Solutions!

 

Have you heard the big news?

Novera has Teamed with Vonage

With Vonage Business Solutions (formerly Vocalocity), your business can have all the benefits of a full-featured phone system like the ones Fortune 500 companies use – at an incredibly affordable price. Save on phone costs while you improve customer satisfaction and employee productivity with advanced features such as Voicemail-to-Email, Cell Phone Integration, and Call Groups. Ideal for small to medium-sized businesses, Vonage offers a hosted PBX solution that brings an unmatched level of simplicity, reliability, and costeffectiveness to your company communications.

 

Give Your Business a BIG Presence with Novera & Vonage

The biggest advantage of adding VoIP with Novera is the personalized service you get through the entire process, but that's not the only reason.  Here are 6 MORE reasons why you should choose Novera as your Vonage VoIP provider:

1. A Big Business Presence

Regardless of the size of your company, with the advanced, professional features of Vonage
you’ll project the image of a savvy, successful enterprise. You’ll ensure each and every
customer call is answered in the most timely, efficient manner – with automatic routing that
you can easily change and maintain without a technician.

2. Lower Cost
Vonage eliminates the need to purchase and maintain expensive phone systems. You get the
big business benefits of leading edge technology – automatically upgraded without the headache and expense of hiring technicians. In addition, Vonage provides ongoing savings with unlimited local and long distance calling or flat rate pricing.

3. Personalized Setup and Support
Vonage offers you a unique setup and support process. Starting with your sales evaluation, and moving along to our care team for training and configuration. Your personal interface helps you configure the settings and features available within your account, and online support articles let your troubleshoot at your convenience. Although the setup for Vonage is designed to be simple and user friendly, our customer care team will be available to address any questions or concerns that you may encounter along the way.

4. Freedom
With Vonage, calls can be routed anywhere, to any type of phone. Remote offices? No problem! Your employees can work from the office, home, other work sites or on the road without impacting sales or customer service. No need to buy extra capacity or worry about how many more extensions your equipment will support before you need to upgrade. And with free mobile apps for iPhone and Android, projecting a professional appearance while traveling is as easy as pressing a button.

5. Do-It-Yourself Simplicity
No need to call the phone company and wait for a technician to make changes to the phone system. The user-friendly admin and user portals let you do it all yourself – in an instant. You can turn features on and off as you need them with a click of a mouse.

6. No Growing Pains
Vonage is built to scale with your business, so as you add extensions or remove features, we never penalize you or extend your contract. Remote provisioning automatically pushes system updates and new features to you, so you never need to worry about using an outdated system.

 

What Are You Waiting For?

Compare the advanced features, quality, customer service, and cost-effectiveness of Vonage to other business phone systems. Don’t settle for a low-end, consumer-oriented voice system – all VoIP offerings are not alike.

 

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.

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

 

---

EASY TO INTEGRATE PAYMENT GATEWAY

Novera Payment Solutions has teamed with the Worldpay Link Gateway to make integrating a payment gateway with your software easy and fast. The Worldpay Link Gateway is a world class credit card payments solution that is EMV ready PCI compliant. The best part is you get LIVE support through the entire integration process, if you need it.

---

We now have all the details at your fingertips. Just select the option that's best for you (or choose all 3)!

 

1. DOWNLOAD THE PAYMENT GATEWAY INTEGRATION WHITE PAPER

   You want to integrate payments with your software application, but don't want the technical headaches that can go along with it. The Worldpay ISV program is easy, world class, EMVready, PCI compliant, and includes live integration support.
   
   
   

2. REGISTER FOR OUR WORLDPAY LINK GATEWAY WEBINAR

   Join us for a free worldpay isv webinar on november 2 at 1:00 EST. You'll learn about the benefits of integrating payments in your software applications, advantages for your customers, as well as the Worldpay program process & highlights.
   

3. RECEIVE THE WORLDPAY LINK GATEWAY API

   You've read about the worldpay ISV program in our whitepaper, learned about the program and its benefits in our webinar, now it is time for the nuts and bolts with your software application. Download the Worldpay API free!
   

---

Accept Payments Anywhere, Anytime

• Novera and Worldpay work hard to understand our customers' needs. Whether your clients sell face-to-face, online, on-the-go or even by MOTO (Mail Order Telephone Order), our flexible services enable your clients to securely accept payments anywhere, anytime.

• Your clients will have the ability to accept a wide range of payment types, from VISA®, MasterCard®, Discover®, American Express®, debit and gift cards to loyalty cards, checks, Electronic Benefits Transfer (EBT) and ACH (direct debit).


Download the White Paper, register for the Webinar, or Download the API today!

---