Payments for merchants

It is easy to find an acquiring processor who will assist you in establishing your payment process, equip you with point of sales (POS) or give you a payment API to enable ecommerce. This works well until you have hundred transactions per day. At this point you may wish:

  • To automate your reconciliation, chargebacks and fraud prevention processes.
  • To integrate payments with your “native” merchant processes like checkout, inventory management, shipping, accounting, taxation, and so on.

Your sales business process may require unique on-the-fly payments options like recurring payments, pre-authorizations, refunds, and so on.

You may wish to customize your UX. For that, you may wish to store more customers’ data in order to sell your products or services fast and conveniently for you customers. You may wish to store the data like transaction history, shipping addresses and names. As soon as you start doing this, the regulations like PCS-DSS, GDPR, PSD2, and many others will hold you back and you may need to implement additional options like tokenization.

All of a sudden, you need to be competitive and embrace new “cool” payment methods like Google Pay and Apple Pay.

New customer authentication technologies are on the market like face recognition and fingerprints. New payment methods appear, such as cryptocurrencies. New technological innovations are coming like blockchains and microservices. Shall you ignore or embrace them? Do they worth the risks? How they reshape your business processes?

If you are in e-comers business then you have to deal with 3D Secure Version 2 as well as with other methods of Strong Customer Authentication (SCA). How this will impact your business?

In other words, at some point you need to customize your Payments business processes because typical solutions are not good enough anymore. This is the tipping point from where you may need our help.

Acquiring processors are usually good in providing you with wide variety of POS and ecommerce API options, to make you happy. Which options will actually make you happy – only you can decide (with our help).

We deal with online merchant payments and fund transfer APIs such as Dalenys (Be2Bill), Cashfree, Ingenico, Gigadat, Ecopayz, PayTM, PayU, Pay4Fun, Paysafe, Skrill, Neteller, Adyen, Vanilla Direct, Yandex, XPay, Sofort, Fiserv (First Data), Worldpay, and Plaid.

We deal with many payment methods, payment and SCA schemes, such as VISA, Mastercard, credit and debit cards, Apple Pay, Google Pay, PayPal, digital wallets, Interac Debit and Interac Online.

We know point of sales (POS) devices. We understand how they talk to EMV and NFC smart cards. We know how to process payments for Visa, Mastercard, or Interac, directly or with assistance of Google Pay or Apple Pay. We know how to use POS capabilities for integration with your inventory management, checkout, and reconciliation processing.

You may use your internal software development teams or outsource your development. In both cases, we know how to talk to software developers and testers in the language they understand. We will help eliminate gaps between what you want and what is delivered to you.