Payment Gateway Cloud
In our previous article we described collaborative payment processing, based on payment gateway cloud concept. Although payment gateway cloud concept is a new one, it incorporates the results of a long...
View ArticleOn the Way to Collaborative Payment Processing
Many businesses go through an evolutionary cycle as they grow. They usually start as small companies with very basic needs. Then at some point, as their processing needs become more sophisticated, they...
View ArticleCredit Card Processing for Startups
Online commerce, electronic payments, and credit card processing have become fundamental aspects of today’s economy. As a result, almost all startup companies need to decide, how they are going to...
View ArticleIs it Time to Switch to a New Payment Gateway Solution?
As merchant services industry is rapidly moving forward, new payment gateway solutions are emerging. These new solutions often offer new functionality. They are more flexible and capable of satisfying...
View ArticleSplit Funding Models
Traditionally, when merchants processed their transactions, the processor simply deducted processing fee and funded the merchant the rest. Presently, there is a growing need to split the part into...
View ArticleOnline Marketplace Model
With the success of eBay, Uber, AirBnB, and other similar online marketplaces, the concept of an online marketplace is rapidly entering new industries. As a result many modern software companies are...
View ArticleThe challenges of mobile EMV solutions
The purpose of this article is to familiarize the readers with the challenges of implementation of mobile EMV solutions. The article is primarily targeted at software companies, which are looking for...
View ArticleEMV Fallback Transaction
This article continues the series dedicated to EMV standard and EMV payment card processing. In it we are going to describe transaction fallback mechanism, its purpose, and types of EMV fallback...
View ArticleHandling Interac Payments in Canada
With this article we continue the series of articles related to EMV standard and EMV certifications. The purpose of this particular article is to describe the peculiarities of integrations with...
View ArticleEMV payment terminal cloud demystified
In our previous articles we mentioned embedded payment terminal solutions, however the concept of payment terminal cloud is still an innovative one. The purpose of is article is to describe a new...
View ArticleProcessing of Closed Loop Gift Cards
This article is dedicated to gift cards; it describes several approaches to closed loop gift card processing. Gift cards are gaining popularity in different industries. Companies that want to support...
View ArticleEMV Parameters and EMV Keys Rotation
The purpose of this article is to explain why EMV parameters and EMV keys rotation are an essential component of EMV certification process. The general assumption is EMV certification process includes...
View ArticleHandling of Convenience Fees
If you want to implement convenience fees within your payment software system or payment gateway, this article is for you. In payment card industry context a convenience fee is a fee charged for card...
View Article3-D Secure and MPI Integrations
In this article we are going to discuss in greater detail 3-D Secure program as a cardholder data protection instrument. Particularly, we are going to focus on 3-D Secure implementation aspects within...
View ArticleHSM, Tokenization Appliance, or Both?
As new encryption methods and technologies emerge and evolve, many companies and individuals have questions about specific features of different encryption solutions. In this article, we are going to...
View ArticleEMV, P2PE, or both?
There is a lot of confusion on how EMV and point-to-point encryption (P2PE) work together and whether one can replace the other, and whether both technologies are necessary. While point-to-point...
View ArticleThe Challenges of Chargeback Disputing and Delivery
While card processing integrations have been an integral part of acquiring business for many years, and most acquirers have the respective documentation available, modern PSPs require additional...
View ArticlePayment Terminal Fulfillment Process
In our previous articles we addressed different types of payment terminal solutions. If you decide to utilize an embedded terminal solution, then one of the key questions you have to address is how to...
View ArticlePayment Terminal Management Systems
The purpose of this article is to familiarize you with the features that a terminal management system needs to have in order for you to be able to rely on it. Payment terminal management systems are...
View ArticleEmbedded Payment Terminal Solutions
Traditionally, payment terminals were connected to workstations through RS 232 serial ports. As technologies evolved, this connectivity method was replaced with USB connection. Until recently most...
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