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.

Please join the Novera Payment Solutions team for an educational webinar on January 24, 2017 @ 11:30 AM EST designed to help software companies understand the value and process of integration with Worldpay.

This valuable free webinar will be 45 minutes or less. We hope you'll join us.

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

• Benefits of Payment integration to your software application
• Advantages to your customer
• Program Process Overview
• Program Highlights 

As an Integrated Software Vendor (ISV), when you choose Novera Payment Solutions and the Worldpay Link Gateway, you receive experts that can ensure seamless credit card payment integration, customer service and evolve with you as you grow. Our application support ranges in vertical markets including automotive, restaurant, healthcare and specialty retail, just to name a few. Novera can help you jump start your business and develop successful payments processing strategies. Link Gateway is a platform that allows you the flexibility to streamline and integrate payment systems with existing applications and software.

On this free 45 minute webinar, we'll discuss the additional benefits of using the Worldpay Link Gateway, inlcuding:

1. How We Provide Easy & Fast Payment Gateway Integration

2. Why We Are Payments Processing EXPERTS

3. How We VALUE Relationships with Our Customers & How You Benefit

As an Integrated Software Vendor (ISV), when you choose the Worldpay Link Gateway, you receive experts that can ensure seamless credit card payment integration, customer service and a solution that will evolve with you as you grow.

5 REASONS WHY YOU SHOULD USE WORLDPAY FOR YOUR INTEGRATED PAYMENT GATEWAY

1.     We Provide Easy & Fast Payment Gateway Integration

We get you to market fast, whether it's a new application or an existing one! Our software development kit (SDK) features multiple API programming languages across multiple platforms. Whether online, in person or on-the-go, our Worldpay platform makes it easy for your customers to take payments anywhere, anytime with our payment gateway integration.

2.     We Are Payments Processing EXPERTS

Through our integration with Worldpay, we understand the unique needs of your business and your customers. That’s why connecting your solution to our Link Gateway means more than a technical integration. We simplify your customer’s PCI obligation with our Level 1 PCI Compliant Data Centers.

3.     We VALUE Relationships with Our Customers

The bottom line is we strengthen your brand and increase conversions by building strong relationships. When you join with Novera Payment Solutions and Worldpay, you have a dedicated relationship manager to support you and your business. You can grow faster than the competition and offer your customers simple, secure and cost efficient systems and strategies.

4.     You Can EASILY Integrate Payment Systems into Existing Software

Novera can help you jump start your business and develop successful payments processing strategies. Link Gateway is a platform that allows you the flexibility to streamline and integrate payment systems with existing applications and software.

5.     We Specialize in MULTIPLE VERTICAL MARKETS

Our application support ranges in vertical markets including automotive, restaurant, healthcare and specialty retail, just to name a few. This is important because chances are, we have specific expertise with integrating payments for your market. Different business sectors have different needs, and we are here to make your payment integration seamless, whether it is a new applicaiton or an existing one.

Download our 7-page white paper to learn more about the WorldPay API, its benefits, credit card payments integration support, and our EMV ready PCI compliant solution.

Please join the Novera Payment Solutions team for an educational webinar on Oct. 1st, 2015 @ 1:00 PM EST designed to help software companies understand the value and process of integration with WorldPay.

This valuable free webinar will be 45 minutes or less. We hope you'll join us.

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

• Benefits of Payment integration to your software application
• Advantages to your customer
• Program Process Overview
• Program Highlights
  

As an Integrated Software Vendor (ISV), when you choose Novera Payment Solutions and the Worldpay Link Gateway, you receive experts that can ensure seamless credit card payment integration, customer service and evolve with you as you grow. Our application support ranges in vertical markets including automotive, restaurant, healthcare and specialty retail, just to name a few. Novera can help you jump start your business and develop successful payments processing strategies. Link Gateway is a platform that allows you the flexibility to streamline and integrate payment systems with existing applications and software.

On this free 45 minute webinar, we'll discuss the additional benefits of using the Worldpay Link Gateway, inlcuding:

1. How We Provide Easy & Fast Payment Gateway Integration

2. Why We Are Payments Processing EXPERTS

3. How We VALUE Relationships with Our Customers & How You Benefit

As an Integrated Software Vendor (ISV), when you choose Novera Payment Solutions and the Worldpay Link Gateway, you receive experts that can ensure seamless credit card payment integration, customer service and evolve with you as you grow. Our application support ranges in vertical markets including automotive, restaurant, healthcare and specialty retail, just to name a few. Novera can help you jump start your business and develop successful payments processing strategies. Link Gateway is a platform that allows you the flexibility to streamline and integrate payment systems with existing applications and software.

WHY CHOOSE NOVERA'S WORLDPAY API TO HELP YOU INTEGRATE PAYMENT SOLUTIONS?

3 REASONS WHY WE ARE THE LOGICAL CHOICE IN PAYMENTS

1.     We Provide Easy & Fast Payment Gateway Integration

We get you to market fast! Our software development kit (SDK) features multiple API programming languages across multiple platforms. Whether online, in person or on-the-go, our Worldpay platform makes it easy for your customers to take payments anywhere, anytime with our payment gateway integration.

2.     We Are Payments Processing EXPERTS

Through our integration with Worldpay, we understand the unique needs of your business and your customers. That’s why connecting your solution to our Link Gateway means more than a technical integration. We simplify your customer’s PCI obligation with our Level 1 PCI Compliant Data Centers.

3.     We VALUE Relationships with Our Customers

The bottom line is we strengthen your brand and increase conversions by building strong relationships. When you join with Novera Payment Solutions and Worldpay, you have a dedicated relationship manager to support you and your business. You can grow faster than the competition and offer your customers simple, secure and cost efficient systems and strategies.

Download our 7-page white paper to learn more about the WorldPay API, its benefits, credit card payments integration support, and our EMV ready PCI compliant solution.

The Benefits of Our Secure Payments for Integrated Software Vendors

As an integrated software vendor, we understand that you are looking for a solution that is not only easy to integrate, but is EMV ready and PCI compliant. Novera Payment Solutions offers the WorldPay Link Gateway API for your payment processing integration needs ... a world class solution with secure payments at the forefront.

We Simplify PCI Scope

Using Novera’s SDK and Worldpay Link Gateway combination means the data for transactions processed using the gateway will be hosted outside your location so your customers’ PCI obligation will be simplified and secured. If you choose a service that requires cardholder data to be stored, such as recurring payments, the cardholder data is stored in our gateway for additional security. You have no need to worry – we take the burden off your hands.

We Are PA-DSS Compliant

The Worldpay.NET toolkit provides the ability to simplify PA-DSS Compliance and the associated time and annual audit costs since card data is not stored at the POS. The FirstMile™ Middleware also gives you the ability to read credit and debit cards from various hardware devices and securely process transactions via the Payment Gateway. By handling the hardware integration, FirstMile™ mitigates your exposure to costly and ongoing security support required in numerous processing environments. 

We Handle Fraud and Risk Management (FRISK)

Our proprietary FRISK™ risk management system provides a sophisticated suite of security and fraud detection and prevention options. This is great because each transaction submitted can be filtered through a customizable series of security and fraud detection rules to determine potential risk. Configuration of these rules is under your complete control using our user-friendly merchant administration website.

Our 7-page white paper outlines the benefits of the WorldPay Link Gateway API for integrated software vendors, as well as the integration support provided to make your development easy and fast. Download it today and receive the WorldPay API!

All business are different. We get that.

Novera Payment Solutions’ Worldpay Link Gateway offers reliable payments processing capabilities for integrated software vendors and is seamlessly integrated to our entire suite of products and services. Unlike many other payment processors, our servers are hosted in the USA and are maintained in a data center certified as meeting Level 1 PCI security standards.

Our integrated payment gateway features includes:

1. Acceptance of All Payment Types
   Accept payments how and when your merchants want, including online, point of sale (POS), mail order/telephone order (MOTO) and mobile credit card payments.
2. Real-time and Batch
   Flexibility to process payments transactions in real-time or use batch processing for increased efficiency.
3. Stored Profile (Tokenization)
   Limit the risk associated with storing sensitive credit card data by using our tokenization and stored profiles.
4. Recurring Billing
   Use our robust, recurring billing system that can be configured to suit the needs of your business for membership dues or subscription fees.
5. WebPay 
   Our hosted payments service offers complete control over payments processing and customer service experience without the costs associated with security compliance for your hosted transactions.
6. Fraud and Risk Management (FRISK) 
   The customizable fraud and risk management system enables you to maximize sales and minimize risk.
7. InstantAccept™
   Our InstantAccept™ Payments integration plug-in for QuickBooks POS® helps expand the payment types you can accept, process, and automatically record them within QuickBooks®. This saves time and money!
8. Electronic Check 
   This gives you flexibility to accept checks through online ACH, check conversion or check 21 and process them using the same integrated payments gateway process you use for all your other electronic payments. 
9. Shopping Carts 
   Through our POS Systems, we offer the ability to integrate into a vast array of shopping carts including Volusion, X-Cart, and OS-Commerce.  

Get Started Today

Download our 7-page white paper to learn more about our integration support, as well as our EMV-ready PCI compliant solution for integrated payments. You can receive the Worldpay API today and integrate payments into your application to provide your customers with the payment options they need - card present, card not present and mobile.

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.

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.