Novera Payment Solutions

Merchants can breathe easy with the WorldPay API. Our merchant account risk settings allow you to reduce fraudulent orders on your website, and thereby save money. Because fraud risks are constantly changing, Novera Payment Solutions and Worldpay put significant resources into staying ahead of the trends in fraud management. This saves our clients the large expenses associated with managing fraudulent transactions.

How We Do It

The Worldpay API verifies every single transaction against a minimum of 200 validation tests in less than a second. This helps reduces false sales and chargebacks.

For merchants, this aspect of the Worldpay API is preset to values which we know work well for the majority of businesses. There are two settings that merchants can change, however: 1) the Card Security Code check; and 2) address verification.

Address Verification

Address verification (AVS) checks the numeric values of the address provided by your customer against the information that this customer's bank has on file, producing either a full, partial or mis-match. AVS is used by all UK and USA card issuers and by certain issuers in other countries.

If AVS is switched on, Worldpay will decline all transactions which produce an AVS mis-match. Partial matches will not automatically be declined due to this check alone, and the same for transactions where AVS is not available from the customer's bank, in order to avoid creating too many missed orders for you.  However this means that AVS cannot be your only defense against fraud, and for this reason, Worldpay strongly recommends that you also switch on the Card Security Code check.

Card Security Code Check

The Card Security Code is the 3-digit number on the back of the card (unless it's an AMEX card, then is the 4-digit code on the front). The Card Security Code check ensures that the number provided by your customer matches that on file at their bank. If there is a mismatch WorldPay will automatically decline transactions.

The address verification check and Card Security Code check settings are both turned on by default in the Worldpay API when you sign up with Novera Payment Solutions.

Enhancing Risk Effectiveness

The risk checking feature is most effective when more information is provided about an order.

WorldPay recommends that the following details are included with every order:

• Full Name
• Billing Address of Card
• Payment Method
• Delivery / Shipping Address
• Shopper IP Address
• Shopper's session ID on your site

We understand that merchant accounts and risk assessment can seem cumbersome for small businesses, but that's no reason to ignore it. The livelihood of your business can suffer if you experience too many fraudulent transactions.

The Novera Payment Solutions team works with small businesses to help alleviate the burden of credit card processing risk assessment and mitigation.  We can also assist you with PCI compliance and answer any questions you might have.

About Novera Payment Solutions

Novera Payment Solutions is a leader in the credit card payments industry. We are committed to helping businesses improve their bottom line by providing significant savings on credit card processingfees through our innovative flat fee merchant account pricing model.

Contact Novera to learn how you can accept credit cards for your business!

With QuickBooks® being the number one small business accounting software in the country, there is no doubt that thousands, if not millions of businesses, are overpaying for their credit card processing service.

The Intuit® credit card processing service is built in to QuickBooks®, making it easy and convenient for merchants to sign up for their service. This convenience can also come with a large price tag.

Intuit® features a tiered pricing model, enticing businesses into the service with seemingly low rates for qualified transactions. What they fail to disclose is that MOST transactions don't fall under that category. The hidden fees and excessive surcharges can end up costing businesses more than they bargained for when they signed up for the service.

We took a few screen grabs from the QuickBooks® payments website to illustrate the point. Take a look at their published rate chart below.

Seems simple enough ... low rates per transaction. Pay a monthly fee to get even lower rates.  What they don't disclose in the table is that these rates apply only to "qualified" transactions.  You have to scroll to the bottom of the page for more information and click on the "Important pricing terms" link.

Note the "additional pricing information" in the fine print.

Let's check it out. When you click on it, this is what you get.

So now we actually see the word "qualified" in the price table related to the discount rates. Note that there is an additional surcharge for non-qualified transactions. Is the discount rate higher too? Probably, but we can't tell from this price table.

There's more.

Another screen grab from the QuickBooks® payments website.

If you happen to have a non US issued card transaction, there are addtional fees tacked on.

And still there's more! See the screen grab below.

Now we have the miscellaneous fees added in, including an PCI service fee of $100 for merchants who process more than 100 transactions each year ... which presumably is just about everyone.  Also notice in the table below, you may be subject to termination fees. You have to refer to three different sections of their 56 page merchant agreement to learn about that.

But we were still curious about what they mean by "qualified" transactions ... is the merchant going to pay even higher fees for other transactions? So we had to dig further on the website.  We finally found a reference to this in their 56 page merchant agreement on page 29.

So they finally define "qualified" here. But note, anything that doesn't meet the "qualified" definition, is charged at the "non-qualified rate which is HIGHER than the mid-qualified rate." And the mid-qualified rate is higher than the qualified rate!

Nowhere on the website were we able to find the discount rate percentages associated with mid and non-qualified transactions.

This is a classic bait and switch technique to get merchants to sign up for an over-priced credit card processing solution by way of convenience.

The good news is that there are now plug-ins available for QuickBooks® that give merchants choices when it comes to who they use for their merchant processing solution.

Novera Payment Solutions offers a completely transparent approach to credit card processing. Our innovative cost plus flat fee merchant account solution saves you money. You know up front exactly what the fees are so you are not surprised with hidden costs and excessive surcharges.

Contact us for a free QuickBooks® consultation. There's absolutely no obligation. We'll show how the Novera Solutions flat fee advantage can save you money over your current QuickBooks® integrated payments solution. Our QuickBooks® credit card processing plug-in, combined with our cost plus flat fee merchant account solution, makes the transition quick, easy, and cost saving for your bottom line!

Process credit cards and checks for invoices seamlessly in QuickBooks®

Did you know Novera specializes in Integration for QuickBooks® payment processing for credit and debit cards, ACH (Automated Clearing House), EFT (Electronic Funds Transfer), and Electronic Check conversion using a powerful and secure Payment Gateway and Secure Vault Software. 

The Advantages of QuickBooks Integrated Credit Card Payments Are Many!

1. No need for "double entry"
   You can now process recurring credit card payments set on a monthly schedule. No more need to ever perform double entry in two systems. Our solution also offers you the ability to take advantage of our revolutionary FLAT FIXED FEE merchant account pricing model.

2. Easy to Setup and Start Using Right Away
   Our QuickBooks® online credit card processing solution is easy to use and is up and running within minutes. It is guaranteed compatibility for automated integration within QuickBooks®, so you can eliminate old outdated, unreliable, standalone credit card terminals.  If your business has customers present needing to make payments in real time, then a simple USB mag-swipe reader can be attached in seconds for “card swiped” transactions.

3. 100% Secure
   Our solution is 100% secure, and PCI and PADSS certified. When transactions are sent from the software to the payment gateway it passes all data through a secure socket layer (SSL) to ensure all data is encrypted and cannot be compromised. Neither QuickBooks® nor Novera itself ever store any cardholder data; data is securely stored in a “Secure Vault”. This is what makes the software PCI and PADSS compliant so you never have to worry about your payment processing being up to the standards of the cards brands MasterCard/Visa/Disc.

4. Flat Fixed Free Credit Card Processing
   In addition to an easy to use turnkey solution for QuickBooks® users, Novera Payment Solutions has also developed a simple, transparent pricing model utilizing a “FLAT FIXED FEE” for merchant services.

Novera Payment Solutions QuickBooks Resources

• InstantAccept: A quicker way to use QuickBooks
• Keyboard Shortcuts for QuickBooks Power Users
• Integrated QuickBooks® Credit Card Processing Using the QBplugin
• 5 Surprising Things You Can Do with QuickBooks
• 6 Advantages of Using QuickBooks for Your Business
• 6 Actions You Can Take to Help Prevent Chargebacks
• Charging Credit Card Fees to Your Customers
• Do You Understand What It Really Costs to Accept Credit Cards?

The Novera Advantage

Novera Payment Solutions is a leader in the credit card payments industry, and we specialize in QuickBooks credit card payments integration. We are committed to helping businesses improve their bottom line by providing significant savings on credit card processing fees through our innovative and transparent flat fee merchant account pricing models for QuickBooks users.

Request a Complimentary QuickBooks Consultation Today!

QuickBooks Online is tried and tested for small business accounting. Brought to you by Intuit, makers of the No.1 best-selling small business accounting software in North America, QuickBooks Online continues to be a top choice for business owners with over 4.5 million users worldwide.

6.5 Benefits That Might Make You Switch to QuickBooks Online

1. QuickBooks Online gives you the ability to access your business accounting anywhere you have an internet connection, from your smart phone, tablet, laptop, or a desktop computer.

2. QuickBooks Online saves you time on your accounts. With easy access to all your figures, reports, invoices, customer details and more, it's easy to find the information you need - instantly, and from anywhere!

3. QuickBooks Online automates your accounting. Unlike using pen and paper, it's harder to make mistakes because QuickBooks Online does all the calculations for you. You can drop the custom spreadsheets and complex formulas ... there's no need for them anymore.

4. All your records are in one place with QuickBooks Online. This includes your customer records, contacts, and supplier details, as well as all your financials. Did we mention QuickBooks Online is searchable too? This makes all of your data easy to find and access.

5. Takes care of everyday tasks with no hassle. With QuickBooks Online you can automate daily and recurring tasks, like generating quotes, creating invoices, creating reports, or viewing your business cash flow.

6. Track every sale and all expenses in one place that is accessible from anywhere. Enter the details of sales and expenses as they happen so you have accurate cash flow information at your fingertips.

6.5  Accept credit card payments with QuickBooks Online. And guess what? You aren't tied to the premium Intuit QuickBooks credit card processing rates. With Novera Payment Solutions' innovative QuickBooks Plugins, you can take advantage of our lower flat fee merchant account rates and save considerable money on your credit card processing through QuickBooks.

The Novera Advantage

Novera Payment Solutions is a leader in the credit card payments industry. We are committed to helping your business improve its bottom line by providing significant savings on credit card processing fees through our innovative and transparent flat fee merchant account pricing models. If you want to accept credit card payments through QuickBooks, you are no longer tied to Intuit's costly merchant account program.

Contact Novera to learn more about how we work with businesses to provide the most fair and transparent pricing structure available on the market today for QuickBooks credit card processing and our InstantAccept plugin!

Our powerful InstantAccept plugin saves your busineses an incredible amount of time and money in reduced labor. When you pair that with Novera's innovative and transparent merchant account pricing model, it's even better!

As a business owner, you know it's essential in this day and age that you not only accept credit cards, but that you also accept debit cards, e-checks, and mobile payments. It's simply expected by your consumers.

Unfortunately, there is a wealth of bad and misleading information online today. Business owners can easily comparison shop for the best merchant account rates using Google, however there are so many nefarious companies pitching credit card processing solutions with bait and switch tactics, it's easy to be lured into a merchant processing contract that ends up costing you more than you ever expected and doesn't deliver all the service promised.

Novera Payment Solution Offers a Refreshing Approach to Credit Card Processing

Novera Solutions takes a completely different approach to merchant processing solutions. You won't get a bait and switch scheme here. Some of the things that make us different, heads and shoulders above the rest, in fact, include:

• We offer straight talk about why a merchant account including our “flat fee advantage” can be one of the best business decisions you’ll ever make.
• We offer complete payment integration with major accounting software applications (including QuickBooks credit card payment integration). Our API will allow you to support every type of transaction you could ask for.
• We take the mystery out of PCI compliance, and help ensure that you meet all requirements to keep your customer card holder data secure.
• We offer many levels of reporting for your convenience. If you are 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.
• Our marketing department designs and delivers high quality marketing slicks so you can inform your customers about payment options.
• We provide complete support and guidance from merchant account conversion and boarding all the way through 24/7 365 WorldPay customer support.
• Novera can provide you with the ability to accept credit card payments online. Our Virtual terminal can allow you to set up recurring payments, one time charges... this even includes check or ACH.
• We have a programs that make sure your profits really are going to the bottom line. Including our Gift & Loyalty program that can be used to cross brand and promote additional locations. 

Learn Everything You Need to Know About In's & Out's of Credit Card Processing

Please join us in a FREE educational webinar  designed to help you understand the in's and out's of the credit card processing industry. We offer these webinars quarterly! This valuable 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 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 and maintaining PCI compliance

Get the Date of Our Next FREE Webinar and Register Online

A good privacy policy is critical for online merchants. If you accept credit cards through your website, you are collecting personal information from your website users. Your online privacy policy informs users about how that information is stored and used.

If you are a QuickBooks Documents user, the Intuit website offers a free privacy policy generator that helps ensure you include all the essential components to protect your business and inform your customers.

It's very easy to use and they offer a PDF or MicroSoft Word version once you've completed the privacy policy generator. The final product is downloadable from your QuickBooks Documents account.

Steps the create your privacy policy:

1. Go to the Intuit QuickBooks priavy policy generator page.
2. Select the state in which your business resides.
3. Provide your company name.
4. Enter your website address.
5. Select all of the personally identifable information that your website collects from the list options available.
6. Select whether you use the personal information to market to the customer after it is collected.
7. Select whether the website collects log data from the user. In most cases, the answer to this question is "yes". For example, this data might include IP address, browser type, etc. Most web servers collect this data for use in reporting website statistics and analytics.
8. Select whether you want to include a statement about the users responsibility for protecting their own account information.
9. Select whether the website uses cookies. (Most do!)
10. Select whether the website uses clear GIFs, web bugs, beacons or tags. If you aren't sure, check with your webmaster. This is a technique often used to statistical data about the web page.
11. Select whether the website offers third party services (an affiliate program might be an exmaple of a third party service for an ecommerce site).
12. Select whether the website will comply with government and law enforcement officials in order to comply with the law.
13. Login to your QuickBook Documents account to download your new privacy policy.

The screen grab below shows page one of a sample privacy policy that we generated in about 20 minutes (of course, we blocked out the company name). The actual document is approximately 4 pages long and addresses all the major components that an ecommerce privacy policy should include.  It should be noted that the Intuit QuickBooks Privacy Policy generator is not intended to replace legal advice from your business attorney. As will any business documents you create and make available for public use, you should consider having your attorney review them before use.

The Novera Advantage

Novera Payment Solutions is a leader in the credit card payments industry. We are committed to helping businesses improve their bottom line by providing significant savings on credit card processing fees through our innovative and transparent flat fee merchant account pricing models for QuickBooks users.

Contact Novera to learn more about how we work with businesses to provide the most fair and transparent pricing structure available on the market today for credit card processing and our QBPlugin for QuickBooks!

Our powerful QBPlugin saves your busineses an incredible amount of time and money in reduced labor. When you pair that with Novera's innovative and transparent merchant account pricing model, it's even better!

Novera makes InstantAccept available to clients who use QuickBooks

The advantage is InstantAccept integrates seamlessly with the QuickBooks software for credit card payment processing. It allows you to accept and record credir card payments and updates QuickBooks® in real time with no extra steps on your part. Combine Novera's flat fee merchant account pricing model and InstantAccept's time-saving financial integration, and you save a significant amount of money annually over those using other processors and manually entering accouting data into QuickBooks.

In addition to it's time saving integration with QuickBooks, InstantAccept also offers built-in fraud detection tools.

According to InstantAccept:

"Cybercriminals are more sophisticated than ever when it comes to conducting fraudulent transactions and accessing sensitive credit card data. InstantAccept™ works with some of the most cutting edge fraud solutions to date. This protects your QuickBooks® databases and records, keeping every transaction safe and secure."

Novera's clients using InstantAccept™ with our payment gateway integration have access to some of the most powerful credit card merchant account fraud prevention tools available.

These tools include:

IPViking

IPViking blocks suspect transactions before they are presented for authorization and payment. It works by evaluating the IP address and point of origin of every credit or debit card transaction. This helps identify and stop fraud before the transaction even takes place. Stopping fraud before the transaction occurs saves your business money in terms of preventing lost inventory, chargeback fees, and unnecessary administrative overhead.

eCommerceShield

eCommerceShield is a fraud prevention solution that protects your business pre- and post-authorization. It provides a triple layer of merchant account fraud protection that used to be available only to larger businesses.  It uses real-time threat intelligence and IP origination data to block almost all fraudulent transactions before they are sent to the issuing bank for approval.  If a fraudulent transaction does pass through for authorization, eCommerceShield features a "rules engine" that reviews high volumes of data in real-time. This offers a second level of protection for your merchant account. eCommerceShield's third layer of fraud protection offers a human element. Any transaction that gets flagged as suspicious is sent for analysis to a credit card fraud expert. The expert on the other end can then confirm valid customer orders or alert you to stop the fraudulent transaction before it is fulfilled.

Chargeback Alerts

eCommerce businesses need to take chargebacks seriously. Most business owners know that chargebacks cost the business money, but many don't realize thatchargebacks due to fraud can actually cost you your business. You can be banned from ever accepting credit cards again ... not a good situation.  Chargeback Alerts reduce the time it takes for you to be notified of potential fraud from weeks to hours. This gives you more time to nullify the chargeback or to issue a refund, preventing it from being counted toward your chargeback ratio.

The Novera Advantage

Novera Payment Solutions is a leader in the credit card payments industry. We are committed to helping your business improve its bottom line by providing significant savings on credit card processing fees through our innovative and transparent merchant account pricing models.

Contact Novera to learn more about how we work with businesses to provide the most fair and transparent pricing structure available on the market today for credit card processing and our InstantAccept plugin for QuickBooks!

Our powerful InstantAccept plugin saves your busineses an incredible amount of time and money in reduced labor. When you pair that with Novera's innovative and transparent merchant account pricing model, it's even better!

As a QuickBooks user for business, there's no doubt you're constantly looking for resources and short cuts to make your business accounting tasks quicker and more streamlined. In previous blogs, we've shared LinkedIn groups from QuickBooks users, as well as YouTube videos for QuickBooks users. One resource that may not immediately come to mind, however, is Pinterest!

We've uncovered three Pinterest boards that QuickBooks users may find extremely helpful.

 1. Fishbowl Inventory

This Pinterest board features an array of resources for QuickBooks users. Inventory management tips through QuickBooks is their primary focus, but what we love the most is the set of QuickBooks short-cut infographics on their board.

You can learn the following:

• Keyboard shortcuts for Quickbooks
• How to determine whether the hard copy or cloud copy version of QuickBooks is best for your business
• Common error codes and their meanings
• The ampersand shortcut in QuickBooks
• How to use the "QuickMath" calculator in QuickBooks
• Whether it's time to upgrade your version of QuickBooks
• and just for fun ... you can learn a little about the manufacturing process for Hostess Twinkies (in case you need a mental break)

Check out the Pinterest Board here:

http://www.pinterest.com/source/fishbowlinventory.com/

2. QuickBooks ProAdvisor

While this Pinterest board is really geared at helping bookkeepers grow their businesses and increase profitability, it's a gold mine for business owners who use QuickBooks. Here's why. This board has dozens of tips for power users, as well as little-known QuickBooks short cuts and productivity tips.

Most pins are linked to valuable articles on the Intuit website. For example, they feature:

• the most common QuickBooks mistakes
• how to correct items posted to wrong accounts
• how to enter and pay bills with QuickBooks
• how to enter custoimer refunds with QuickBooks
• ... and so much more!

When you visit the board, you will see images with small captions. Click on the image and it will enlarge. If you've never really used Pinterest, then be aware, then the large image opens, you will need to click on THAT image to then be directed to the article that details the topic.

Check out the Pinterest Board here:

http://www.pinterest.com/antoniamvirtual/quickbooks-proadvisor/

3. QuickBooks 2014 Tutorials

Oh how we love this Pinterest board! Yes, they are selling online training courses, BUT they have hundreds of free "clips" around 2 minutes in length from each of their full training courses. Spend 2 minutes watching any of their videos and we are certain you are going to learn something new about QuickBooks that you didn't know before. In addition to the videos, their other boards are littered with links to excellent Quickbook articles, time saving tips, and resources that are certain to make you a QuickBooks expert in no time.

Check out the Pinterest Board here:

http://www.pinterest.com/teachucomp/quickbooks-2014-tutorials/

The Novera Advantage

Novera Payment Solutions is a leader in the credit card payments industry. We are committed to helping businesses improve their bottom line by providing significant savings on credit card processing fees through our innovative and transparent merchant account pricing models.

Contact Novera to learn more about how we work with businesses to provide the most fair and transparent pricing structure available on the market today for credit card processing and our QBPlugin for QuickBooks!

Our powerful QBPlugin saves your busineses an incredible amount of time and money in reduced labor. When you pair that with Novera's innovative and transparent merchant account pricing model, it's even better!

There's no doubt that Twitter is one of the largest and most influential social media platforms.  Business owners know they they need to be on Twitter, but too many of them create an account, start tweeting, and then crickets ... no one is hearing them, following them or interacting with them.

If this sounds like you, don't despair! 

Here seven tips to help you gain more followers on Twitter.
 

About Novera Payment Solutions