Card Processing. Processing Payments with Confidence

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1 Card Processing Processing Payments with Confidence Introduction Card processors are known for their unfair pricing, hidden fees, and confusing statements. Merchants are sold on "guaranteed" savings, yet time after time our competitors cost them valuable time and money. Heartland sets itself apart with fair, transparent pricing and data security that sets the industry standard. Merchants come to Heartland for advantages like interchange plus pricing, and Heartland Secure. These distinctions, and the many more that we offer, provide true value to merchants. At Heartland, that journey for a processor with integrity ends, and merchants are truly satisfied with the simplicity delivered to them with our products. Payment Processing 1. Opt Blue Program - With Heartland's Opt Blue program, merchants get a competitive rate, receive funds faster than traditional American Express settlements, and receive one statement for all card brands. The Opt Blue Program allows merchants to accept and process American Express card transactions the same way they process all the other major networks. 2. Interchange Plus Pricing - Interchange plus pricing gives merchants full disclosure of what they are paying Heartland, and how much of that Heartland is paying to the card brands. This gives merchants the full benefits of cost reductions. 3. Heartland Secure - Heartland Secure is the most secure card processing solution in the industry, backed by a comprehensive warranty. Through EMV, end-to-end encryption, and tokenization, Heartland makes card data completely useless to hackers. Benefits of Processing Industry Leading Breach Warranty - As long as merchants are processing with Heartland Secure and its certified devices, they are covered by a warranty at no extra cost PCI Compliance The Payment Card Industry Data Security Standard is a set of requirements designed to ensure that all businesses that process, store or transmit credit card information maintain a secure environment. Heartland Secure minimizes PCI scope by encrypting card data. No card data. No risk. Out of Scope - An out-of-scope system completely separates the POS from the card data. Since the POS never receives sensitive card data, it is out-of-scope and less exposed to cyber-criminals. Europay MasterCard Visa (EMV) - EMV electronic chip card technology to authenticate that a consumer's card is genuine E3 End-to-End Encryption Technology - Immediately encrypts card data as it is entered Tokenization - Replaces card data with "tokens" which can be used for returns and repeat purchases, but aren't usable by outsiders and have no value

2 Business to Business (B2B) - Home Page Business to Business (B2B) describes transactions that that take place between businesses, such as a manufacturer and a wholesaler or a wholesaler and a retailer. The overall volume of B2B transactions is typically much higher than the volume of Business to Consumer (B2C) transactions. The primary reason for this is that in a typical supply chain there will be many B2B transactions involving sub components or raw materials, while there may only be one consumer transaction, the sale of the finished product to the consumer. An example would be an automobile manufacturer having several B2B transactions such as buying tires, glass for windows, and rubber hoses. The final transaction, a finished vehicle in this example, is sold to the consumer as a single transaction. According to NACHA The Electronic Payments Association ( B2B transaction volume was up to more than two billion payments in 2009, an increase of 3.2 percent over The largest growth was in corporate trade exchange transactions, which carry business remittance information along with the payment. These payments increased by 9.19 percent over 2008, reaching more than 60 million transactions. In addition, the number of B2B addendum records with the remittance information demonstrates that growth continues. Understanding B2B The first thing to understand before engaging a B2B prospect is that the sales cycle will typically be longer than that of a non- B2B merchant. The increased sales cycle is often the result of multiple decisions makers being involved in the process. Please view Business to Business Basics inside Absorb Interchange B2B transactions have many different qualifications which vary based on the merchant s category code (MCC), processing method, transaction card types, and the merchant s need or desire to pass enhanced data. Review the flowchart inside Absorb for an overview of B2B transactions Level II Typically the most common type of B2B transactions are Level II transactions. These are transactions from a business, corporate or

3 purchasing card that contain additional data, specifically the sales tax amount and customer code for the transaction. If a sale is tax exempt, whether it is due to the cardholder being a tax exempt business or simply because the merchant resides in a state without sales tax, then the transaction will NOT be eligible for Level II for either Visa or MasterCard. Take a look at our Guide to Level II inside Absorb B2B - Non-level II The Visa B2B rate is used for transactions that do not meet Level II requirements, such as tax- exempt transactions. In order to qualify for this rate, the transaction must be from a commercial card and the merchant must have a MCC designated by Visa as a B2B MCC. Review the Visa B2B MCCs list: o If the merchant does not fall into one of the designated MCCs then the non- level II transactions can qualify for commercial retail or card- not- present depending on the processing method and the merchant s MCC. Level III One of the most complex interchange qualifications is Level III. In order to qualify for Level III, the transaction must be from a Visa purchasing card or MasterCard commercial card, and must also contain enhanced data including sales tax, customer code, and line item detail for the transactions. Merchants wishing to process Level III transactions will need to use a Level III enabled POS software solution such as 3Delta Solutions or ICVerify. Review the flowchart inside Absorb for an overview of Level III qualification: InfoCentral What is InfoCentral? o InfoCentral is a reporting platform for merchants that process card. Merchant need somewhere to log in and see transaction information, batch totals, and funding. The portal also allows for electronic dispute resolution, and provides in depth reporting. How do I get a user signed up? o This is easiest when boarding users through atlas. On the signatures page, there is a section just below where the signer is added labeled InfoCentral Admin. When this is filled out correctly and is spelled correctly, that will be sent a welcome when merchant reaches Installed Status. The user will have 5 days

4 to click the link in the welcome and set up their user. This automated process beings on March 15th launch and works only for locations that aren't a part of a chain (multi- location will be done by service center reps manually). What is different from 1.0 to 2.0? o User Experience / Look and Feel! State of the art design and function. The site works much simpler, more intuitive, and has a clean and plesent design.! There are many areas (like transaction finder and user setup) where we took complex pages and looked to make it work very simple. The page is set up for the most typical use cases, but allows for the 'Advanced Search Filters' or 'Custom Access' for more advanced 1 off instances. o Mobile! We are the first Processor to have a site accessible through mobile. We have the Small- Medium business owner in mind. They are wearing many hats like, accountant, store manager, marketer, hiring and firing, and R&D all by themselves. Their biggest commodity is TIME. Mobile InfoCentral allows these folks to see important information how they want it, on the convenience of their phone. The primary features of mobile are:! batches! Funding! Contact! Sales Rep! Service Center! Offline Voice Auths! Notifications! Change location (view this info for any locations that user has access to) o Notifications! Same concept as for mobile. A way to push information to these folks through (default signed up) and the users can sign up for text.! There are 6 notifications, 2-3 that stand out the most shown in bold below! Batch has been open for 24+ hours! Dispute is set to expire in 7 days! You have a new Chargeback or retrieval! Your statement is ready to view! You bank account update request has been processed! Your address change request has been processed Can I demo the site to a customer? o YES! Mobile Demo:! Login Page doesn't need creds, hit remember me, and login! Security questions doesn t need answers either. Just hit continue! For iphone, goto login page URL, click at the bottom of your browser the box with Arrow leaving.! Then add it to the home screen for them to reference anytime! Andriod! Goto URL then select add to home screen Full site Demo:

5 o o Click the link from your ipad SmartLink Managed Network Services- Rebuilt for 2015 training coming soon RM s, TM s and DM s Selling SmartLink, Orders are now being accepted from recently certified RM's and trained National Sales Reps. The few exceptions include: Pending orders previously boarded or submitted and awaiting boarding Orders in process and submitted by recently certified RM's (certified since September 2014). Sales proposed to clients by SmartLink certified RM's with documentation submitted through the SmartLink TSA Team Qualified large national accounts in process or as approved by SmartLink leadership. The SmartLink product has been greatly improved and there are a number of changes being implemented: SmartLink offerings are being updated with new effective installation and ongoing support The new improved SmartLink product is being re- launched in Q These changes will improve the overall SmartLink product offering and more effectively leverage the HSC. In the meantime, please refrain from making new merchant offers that do not fit the guidelines above. Please contact the SmartLink TSA Team at smartlinktsa@e-hps.com or on (866) with any questions about pending orders and sales that fit the temporary hold guidelines. Thanks for your continued support as we re-launch improved SmartLink Managed Network Services. Regards, The SmartLink Team