Novera Payment Solutions

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

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

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

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

LET'S CLEAR THE SMOKE & MIRRORS
REGISTER TODAY!

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

As an attendee of this webinar you will gain the following:

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

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

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

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

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

IT'S TIME TO GET REGISTERED!

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

Join us in an educational webinar on JULY 25, 2017 @ 2:00 PM EST designed to help you understand the in's and out's of the credit card processing industry. This FREE webinar will be 45 minutes or less and we guarantee you will learn practical information to help you make better choices when shopping around for credit card processing services.

As an attendee of this webinar you will gain the following:

• Ability to understand Visa/MC/Disc true underlying cost which in turn will help you negotiate better pricing
• Knowledge on how to make sure you are getting a truly fair deal for payment processing services
• Awareness of the latest in technology available in the market place today
• Tips for keeping processing costs down
• Best practices for keeping cardholder data secure, including EMV and maintaining PCI compliance.

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.

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.

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.

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!

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.

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.

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.

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!

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.

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.

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.

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.

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.