What Are Payment Processing Integrations?

Integrations are the method by which your merchant account connects to your business. For example, for e-Commerce Merchant Accounts it’s a small piece of software that is the bridge between your payment processor and your online store. For a brick and mortar store, it’s connecting your POS software, such as Vend, with your merchant account.

As part of our detailed onboarding process, we’ll get to know your business inside and out, and that includes how you interact with your customers and how you accept payments. We make sure that the payment processing solutions we propose will integrate seamlessly with your business from the start.

Do I Need an Integration?

Most likely you’ll need some kind of connection between your merchant account and your business. For eCommerce, most integrations are easy and if you have a “web guy/girl” on your team they can connect the site with some simple instructions. You’ll hear the terms Authorize.net and NMI used quite frequently: they’re the most common ways your web store will connect to your processor.

The most common eCommerce platforms for retail websites are Woocommerce and Shopify, followed by Big Commerce. Regardless of which software you use for your online store, we’ll ensure that there is a “plugin” available – a simple piece of software that acts as a gateway between your site and the bank.

If you have a retail or restaurant POS, we’ll be sure we present a full-suite solution – whether it’s mobile swipes, countertop units or contactless technology – that will become and integral part of your workflow. This can be for a single location, or for a multi-location business. And if you’re a multi-channel vendor that sells on Amazon, eBay and well as online and brick and mortar, for example, we’ll connect all the dots and ensure you have a fully integrated system.

PCI Compliance

PCI Compliance is something all merchants need to be aware of. It is a set of requirements developed to help ensure that all companies that process, store, or transmit credit card information maintain a secure environment. That means client data  is safe. For example, never storing client credit card numbers.

All our merchant account solutions are PCI Compliant. This means they follow all the security and encryption protocols devised by the credit card brands.

You’ll be prompted to do an online PCI Compliance Certification for e-Commerce stores once per year. It takes about 25 minutes and walks you through a series of detailed questions about how (and if) you collect and use credit card data.

Do You Have a High Risk e-Commerce Website? You need special Payment Processing.

High-risk payment processing is required for businesses you might assume carry a higher risk such as gaming, gambling, adult and weapons. But did you know that travel, tech support and supplements businesses can be considered high risk too. Even a “mainstream” vendor can be pushed into the “high risk” category due to negative business, financial or credit history

We’ll help you understand how your business fits into the spectrum of risk and what to expect in terms of rates and banks that are willing to underwrite your merchant account. Contact us for a no-obligation Risk Profile Review and begin the process of opening an e-Commerce merchant account.

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