Payment Optimization Consultants
We are your trusted Payment Optimization Consultants, dedicated to providing merchants with cutting-edge solutions from leading processors worldwide. Our team leverages the latest technology to ensure effective risk management, access to top credit solutions like BNPL, and tailored support for your business vertical.
With over 40 years of collective experience in the payments industry, we are committed to helping merchants streamline their payment processes in a secure environment. Our goal is to deliver exceptional value, seamless integrations, and optimal results for your business, creating a highly productive environment for success. Partner with us for payment efficiency, security, and innovation in today's ever-evolving market.
With over 40 years of collective experience in the payments industry, we are committed to helping merchants streamline their payment processes in a secure environment. Our goal is to deliver exceptional value, seamless integrations, and optimal results for your business, creating a highly productive environment for success. Partner with us for payment efficiency, security, and innovation in today's ever-evolving market.
Solutions that enhance security and productivity providing your customer with an unforgetable experience
3DS Fraud Technology
Introducing our cutting-edge 3DS Fraud Technology, a powerful solution designed to revolutionize security in the Card-Not-Present environment. By implementing this technology, you're taking proactive steps to significantly enhance security and mitigate the risk of fraudulent transactions (friendly fraud), thereby safeguarding both your business and your valued customers.
How It Works:
When a customer initiates an on-line transaction, our 3DS system springs into action. Authentication happens in the background between the merchant and card issuer. Validated transactions are sent to the gateway/acquirer for authentication. In some cases, the system will prompt the cardholder for a text verification code.
The Benefits:
Eliminate Chargebacks: By implementing 3DS Fraud Technology, you'll experience no Friendly Chargebacks, saving you time and money associated with the chargeback dispute.
Improved Customer Trust: Customers value security. By offering a secure payment environment, you'll build trust and loyalty among your customer base.
Streamlined Operations: Our technology is agnostic and seamlessly integrates with most payment processors.
Don't let online fraud jeopardize your business. Invest in the security and reliability of 3DS Fraud Technology today and take control of your online transactions.
When a customer initiates an on-line transaction, our 3DS system springs into action. Authentication happens in the background between the merchant and card issuer. Validated transactions are sent to the gateway/acquirer for authentication. In some cases, the system will prompt the cardholder for a text verification code.
The Benefits:
Eliminate Chargebacks: By implementing 3DS Fraud Technology, you'll experience no Friendly Chargebacks, saving you time and money associated with the chargeback dispute.
Improved Customer Trust: Customers value security. By offering a secure payment environment, you'll build trust and loyalty among your customer base.
Streamlined Operations: Our technology is agnostic and seamlessly integrates with most payment processors.
Don't let online fraud jeopardize your business. Invest in the security and reliability of 3DS Fraud Technology today and take control of your online transactions.
Enhanced Security
Our 3DS (3D Secure) technology adds an extra layer of security to online transactions (eCommerce Shopping Carts/ Payment Links/ E-Invoicing ), reducing the risk of fraudulent activity. This helps build trust with your customers and protects your business from potential losses.
Fraud Mitigation
With the rise of online fraud, it's crucial to stay ahead of the curve. Our 3DS technology employs risk-based authentication (RBA) to confirm cardholders' identities by exchanging over 140 contextual data points between the merchant and the cardholder's bank. These data points include purchase history, location, device, and IP address.
Peace of Mind
Rest assured that your transactions are secure. By integrating 3DS Fraud Technology, you're investing in peace of mind for both yourself and your customers, knowing that sensitive information is protected.
Tailored Solution
Our service is especially advantageous for businesses that process card-no-present payments, particularly those dealing with high transaction volumes or offering high-priced products or services. Whether you're managing bulk orders or individual purchases, our 3DS Fraud Technology ensures the safety and security of every transaction. This is an ideal solution for businesses utilizing payment links and e-invoicing, eliminating the need for manually entering credit card information and credit authorization forms, ensuring 100% reliability.
ACH Acceptance
ACH (Automated Clearing House) is an electronic network in the United States that facilitates financial transactions between bank accounts. It allows businesses and individuals to electronically transfer funds from one bank account to another. ACH transactions can include bill payments, business-to-business payments, and more. It's a secure and cost-effective alternative to paper checks and credit card transactions, offering fast processing times and lower fees.
Benefits of ACH Acceptance
Cost Savings:
ACH transactions are generally cheaper than credit card transactions, saving businesses money on processing fees.Predictable Cash Flow:
ACH payments are more predictable than checks, as they're not subject to delays caused by mail or manual processing.Improved Efficiency:
ACH acceptance streamlines payment processing for both businesses and customers, reducing the time and effort required for payment management.Enhanced Security:
ACH payments are highly secure, with built-in encryption and authentication measures to protect sensitive financial information.Customer Satisfaction:
Offering ACH payment options can improve customer satisfaction by providing a convenient and flexible payment method.Overall, ACH acceptance offers businesses an efficient, cost-effective, and secure way to handle payments, benefiting both businesses and their customers.
Why ACH
ACH acceptance is becoming increasingly popular due to several reasons:Cost-effectiveness:
ACH transactions are generally cheaper than credit card transactions, making them an attractive option for businesses looking to reduce payment processing costs.Convenience for Merchants:
ACH payments enable merchants to automate bill payments and invoices, streamlining their processes in a cost-effective manner. Fast Processing:
With the ability for same-day ACH processing, funds can be transferred quickly, enhancing cash flow and reducing wait times for payments than traditional paper checks, making them an efficient option for businesses and customers.Reduced Risk: Compared to paper checks, ACH payments are more secure, with less risk of fraud or loss in the mail.
How ACH Acceptance Works
ACH acceptance involves a few key steps:Authorization:
The payer (customer) authorizes the business to initiate ACH transactions for payment. Initiation:
This can be done through various methods, such as signing an authorization form, setting up payments online, a payment link or providing bank account details over the phone. The merchant or customer enters their company or personal information along with routing and bank account numbers. It's that simple and highly efficient.Processing:
The ACH payment request is sent through the ACH network, which acts as an intermediary between banks. The payer's bank verifies the transaction and either accepts or rejects it based on available funds, account status, etc
Clearing and Settlement
If the transaction is accepted, the funds are transferred from the payer's bank account to the business's bank account. This process usually takes one to two business days.
Payments Integration
By integrating payments across all your points of sale, you can streamline operations and provide a seamless experience for your customers.Integrating payments across all points of sale (POS) can indeed bring numerous advantages for both businesses and customers.
How it WorksUnified Payment Gateway:
Businesses can utilize a unified payment gateway that supports multiple channels, such as in-store POS systems, e-commerce platforms, mobile apps, and even social media channels. This gateway acts as a single point of access for processing transactions across all sales channels.API Integration:
Application Programming Interfaces (APIs) allow different systems to communicate and share data seamlessly. Businesses can integrate their POS systems, online storefronts, and other sales channels with the payment gateway using APIs, ensuring smooth transaction processing and data synchronization.Omni-channel Approach:
Adopting an omni-channel approach ensures consistency across all customer touchpoints. Whether a customer makes a purchase in-store, online, or via a mobile device, the payment process remains consistent, offering a seamless experience.
Benefits of Integration
Streamlined Operations: By centralizing payment processing, businesses can simplify their operations. Instead of managing multiple systems and accounts, they can consolidate everything into one platform.Enhanced Customer Experience: A seamless payment experience is crucial for customer satisfaction. When payments are integrated across all points of sale, customers can enjoy a consistent and convenient checkout process, whether they're shopping online, in-store, or via mobile.Data Visibility and Insights:
Centralized payment integration provides businesses with valuable data insights. They can analyze transaction data across all channels to gain a better understanding of customer behavior, preferences, and purchasing patterns.
Benefits of Payment Integration Across All Points of Sale
Increased Efficiency: Streamlining payment processes reduces manual errors and administrative overhead, allowing businesses to operate more efficiently.Improved Security: Centralized payment integration often comes with advanced security features, such as tokenization and encryption, which help protect sensitive payment data and reduce the risk of fraud.Better Customer Engagement: With access to comprehensive transaction data, businesses can personalize their marketing efforts and offer targeted promotions to enhance customer engagement and loyalty.Scalability:
As businesses grow and expand, integrated payment solutions can easily scale to accommodate increased transaction volumes and additional sales channels.Cost Savings: Consolidating payment processing services can lead to cost savings by eliminating redundant systems, reducing processing fees, and minimizing the need for manual reconciliation.In conclusion, integrating payments across all points of sale offers numerous benefits, including streamlined operations, enhanced customer experience, and valuable data insights. By leveraging unified payment gateways, API integration, and an omni-channel approach, businesses can optimize their payment processes and drive growth in today's competitive marketplace.
Interchange Rates Optimization
Optimizing interchange rates can help you maximize savings and increase profitability, ensuring that you're getting the most out of every transaction.
Interchange rate optimization is crucial for businesses that process credit and debit card payments. By optimizing these rates, businesses can significantly reduce the fees they pay to banks and card networks. Lowering these costs directly impacts the bottom line, improving profitability and allowing for better allocation of resources. Additionally, optimized interchange rates can enhance competitiveness by enabling businesses to offer more attractive pricing to customers.
How It Works
Interchange rate optimization involves analyzing and adjusting various factors that influence the fees associated with card transactions. Here's how it works:
Transaction Categorization: Classifying transactions correctly can lead to lower interchange rates. This involves ensuring that each transaction falls into the most favorable category based on card type and usage.
Data Enrichment: Providing additional data with each transaction, such as enhanced customer information or transaction details, can qualify transactions for lower interchange rates.
Working with Processors: Collaborating with payment processors who have expertise in interchange rate optimization can ensure that all possible strategies are being utilized to reduce fees.
Interchange rate optimization involves analyzing and adjusting various factors that influence the fees associated with card transactions. Here's how it works:
Transaction Categorization: Classifying transactions correctly can lead to lower interchange rates. This involves ensuring that each transaction falls into the most favorable category based on card type and usage.
Data Enrichment: Providing additional data with each transaction, such as enhanced customer information or transaction details, can qualify transactions for lower interchange rates.
Working with Processors: Collaborating with payment processors who have expertise in interchange rate optimization can ensure that all possible strategies are being utilized to reduce fees.
Benefits
- Cost Savings: The primary benefit of interchange rate optimization is the reduction in transaction fees, which can lead to substantial cost savings for businesses.
- Improved Cash Flow:
- Lower fees mean more money stays in the business, improving overall cash flow and financial health.
- Enhanced Competitiveness:
- Savings from reduced interchange rates can be passed on to customers in the form of lower prices or better services, enhancing competitiveness in the market.
- Simplicity and Efficiency:
- Implementing optimization strategies can streamline payment processes, making them more efficient and less prone to errors.
- By focusing on interchange rate optimization, businesses can achieve significant financial benefits and improve their overall operational efficiency.
Buy Now, Pay Later (BNPL)
- Provides flexible payment options for customers
- Enhances customer satisfaction, increases sales, and boosts business growth
- Integrates easily with most eCommerce platforms
- BNPL provider assumes payment collection risk
- Builds trust and encourages repeat business
How It Works
Customer Selection - Customers choose BNPL option at checkout
Approval Process - Quick credit check or eligibility assessment by BNPL provider - Instant approval
Payment Plan - Customers select payment plan (weekly, bi-weekly, or monthly installments)
Merchant Payment - Business receives full purchase amount upfront from BNPL provider, minus a service fee Invest in our Buy Now, Pay Later solution to enhance customer shopping experience, drive sales, and grow your business.
Customer Selection - Customers choose BNPL option at checkout
Approval Process - Quick credit check or eligibility assessment by BNPL provider - Instant approval
Payment Plan - Customers select payment plan (weekly, bi-weekly, or monthly installments)
Merchant Payment - Business receives full purchase amount upfront from BNPL provider, minus a service fee Invest in our Buy Now, Pay Later solution to enhance customer shopping experience, drive sales, and grow your business.
Why Choose Buy Now, Pay Later?
Increased Sales
- - Drives more sales by removing immediate financial burden
- - Increased Average Order
- - Encourages higher cart values and increased conversion rates
- - Encourages higher spending per transaction
- Improved Customer Satisfaction
- - Allows customers to manage finances better by spreading payments over time
- - Leads to higher satisfaction and loyalty
- - Reduce cart abandonment
- Accessibility
- - Makes high-value products accessible to a broader audience
- - Enables larger purchases for cost-sensitive customers
- Enhanced Cash Flow
- - Businesses receive full payment upfront from BNPL provider
- - Improves cash flow and reduces payment collection risk
- Competitive Advantage
- - Sets your business apart by offering customer convenience and financial flexibility