Merchant Card Service - Wireless Mobile - USAePay

Expensive wireless machines are a thing of the past; no longer will you have to pay for Wireless mobile transactions using ePay technology. Wireless ePay works with your existing Java-based (J2ME) phone and over any provider's wireless network. Thus allowing any merchant to process credit cards wirelessly while keeping their retail / swiped rates. 

In the past merchants who wanted to process cards outside in the field would either have to take the card and call it into their office, take an imprint of the card and process it when they get back to the office or buy an expensive wireless unit; Wireless ePay is the solution to these problems.

Keep Your Retail Rates
By choosing USAePay you can continue to use your current merchant account in person-to-person transactions where the merchant can actually swipe the card and collect the mag-data, you the merchant can keep the retail rates' instead of the transactions being down graded to Keyed transactions. This is all part of the Retail ePay program where transactions being sent into the gateway with the proper Retail Field outlined in our Gateway API's will get retail rates with the merchant service banks. Wireless ePay has already built this functionality in. At the same time Mail Order and Internet merchants can use the product as well and keep their existing rates as well.

USA ePay's gateway is the most secure gateway on the market and it's mainly because of the Modular Stack Fraud Management in the Console's Fraud Stopper.

Address Verification System
An automatic verification, the gateway will check that the card given for processing and the billing address match with the address in the databases of the credit card provider. 

CVV2 / CVC2 / CID System
A 3 digit number located on the back of the Visa, MasterCard or Discover card as well as the 4 digits located in the front of an AMEX. The gateway will verify that this code matches with the card number. This ensures that the customer giving the card does have the card in hand.

Fraud Control Modules  
The USAePay Fraud Stopper relies on its Module Stack Design. Each module controls a different aspect of security and the merchants chooses which modules to put on the fraud control stack. Some example of modules are duplicate transaction control, block by country (and/or state, city, zip, name...), auto detection of misuse of toolkit by customer ( blocks a person from using an eCommerce toolkits after certain amount of tried with different cards ), block by IP and many more. The advantage to this design is it allows the merchant to constantly add/change their fraud controls and USAePay is always adding new modules to the Fraud Stopper; always up to date on fraud security issues.  

Fraud Stopper also allows the merchant to apply different fraud controls to different sources, so a merchant can have high levels of fraud control on their Shopping Cart but low levels on their console for their own employees.

Buyer Authentication  
USAePay is proud to support the Verified by Visa and MasterCard SecureCode programs. These programs drastically reduce liability from the unauthorized use of credit cards. By adding this extra layer of protection, merchants protect themselves from the costs associated with fraud. You can find out more about this additional form of fraud prevention at our Verified by Visa and MasterCard SecureCode Information Page.

ePaySC30

Using Windows, Mac OS or Linux/Unix, USAePay's ePay Charge Software is your one solution for processing retail sales using your existing computer. By simply attaching a USB or Serial Mag-Reader to a computer and installing the ePay Charge software, the you can swipe cards at the computer / laptop and through their existing internet connection and authorize retail [swiped] transactions in real time.

The need for credit card machines is a thing of the past. The evolution of the internet in business and home environments, as well as the significant drop in cost of computers & laptops, make it clear that it is truly cost-effective for any merchant to use their existing hardware to process credit cards.

Merchants can easily interact with the software and start using it right away without training, as is the case with complex credit card machines. The data is PCI compliant. Every merchant using the ePay Charge software automatically receives a USAePay gateway account which allows you to login to the system and view even more details reports, graphs and information.
Cell Cradle with Card Swipe, and Printer

One thing to keep in mind when dealing with security is the fact that no credit card information is eve stored in the ePay Charge Retail Software. The reports only save reference numbers to the transactions and never store full card numbers, expiration dates, etc.

As a USAePay gateway merchant, you can now easily meet the security regulations mandated by the credit card associations at no additional cost. USA ePay is the Rrst payment processor to sponsor easy-to-use security scanning from ScanAlert, the world's leading web site security certification service. All USAePay merchants wi t l

receive the first year's service for free, allowing them to meet the requirements of Visa, Mastercard, American Express and Discover Card. USAePay merchants can access this service directly from their merchant console.

ScanAlert's security service (regularly priced at $149.00 per year) provides USAePay merchants with everything you need to meet the following standards:

• Payment Card 'Industry (PCI ) data security standard
• Visa USA Cardholder Information Security Program (CISP)
• Visa International Account Informatlon SecurityL (AIS)
• Mastercard Site Data Protection Program (SDP)
• American Express' Data Security Operating Policy (DSOP)
• Discover Information Security and Compliance (DISC) program

ScanAlert provides automated network security compliance auditing system with a breadth of features that far exceed basic security scanning.

This comprehensive and easy-to- use service includes:

• Access to ScanAlert's web-based Vulnerability Management Portal  
• Scheduled quarterly automated vulnerability scans
• Unlimited on-demand manual scans to re-test systems whenever needed
• Detailed instructions to patch all vulnerabilities found during scans.
• Online tutorials to help understand and prepare security self-assessment forms
• Preparation of the Report on Compliance (ROC) documentation , for submission to your merchant bank
• Access for your merchant bank to review your Report on Compliance online.

What are the credit card association's new security requirements?

These new requirements are IT security standards and guidelines developed by the card

associations. They were developed to establish a 'minimum security standard with regards to the protection of cardholders' credit card account and transaction information.

Who needs to be compliant with these requirements?

All entities that collect process or store credit card account and transaction Information.

How can I sign up for 'sponsored' scanning?

Every USAePay merchant can sign-up for the program directly from their USAePay member console.