 |
Guarantee eCheck Processing |
 |
Non-Guarantee eCheck Processing |
With AMG SecurePay, merchants can process their clients check electronically. Unlike other Payment Gateways, AMG SecurePay can not only process checks, but we can Guarantee them. Imagine being able to take your clients checks and not have to worry about it clearing. Not only is it convenient, but it saves you time, money and resources.
AMG provides an exclusive, fully integrated electronic check payment method. Using eCheck, merchants can accept and process payments from consumer and corporate bank accounts directly from their Web site or through the AMG Virtual Terminal. By accepting electronic checks, you expand the payment options available to new and existing customers, enhancing customer loyalty and potentially increasing sales.
-
Lower Fees - Lower rates than credit cards or PayPal.
-
More Efficient - eCheck does everything online, eliminating the cost and inconvenience of manually processing paper checks and waiting for checks in the mail.
-
Fully Integrated Solution - No third-party integration required—implementing eCheck is easy for merchants already using the AMG SecurePay Payment Gateway.
-
Integrated Reporting - Provides a combined view of all eCheck and credit card payment transactions. Reconcile payment and billing activity using online reports and statements.
-
Ship Products Sooner - Improved up-front transaction validation that returns the status of transactions faster.
-
Security - AMG SecurePay uses the latest 128-bit Secure Socket Layer (SSL) technology for secure Internet Protocol (IP) transactions.
The AMG SecurePay Customer Vault is one of the best and favorite features of AMG SecurePay. The Customer Vault is a powerful tool with many uses. The Customer Vault allows merchants to store customer payment data and perform subsequent transactions against that data without having to store the data in the merchants unprotected and non PCI compliant system. This gives you a convenient way for your clients to pay their open invoices and bills to your company all while remaining within the PCI Guidelines. This allows:
- Merchants to perform re-bills against previously used billing information.
- Merchants do not have to store card holder data, satisfying many of the PCI requirements.
- Merchants can create “one click” shopping experiences on their website.
- Merchants can easily add, edit, update customers in the vault through the gateway interface,
or through the API
- Reduced data entry for both merchants and consumers.
- Supports both ACH and Credit Card transactions.
Companies that spend millions of dollars on security upgrades to prevent unauthorized access to sensitive data get breached. Using AMG SecurePay’s Vault, merchants can remotely store all credit card and any other sensitive data in a Level 1 PCI DSS Compliant environment. If the data is not present in the merchant environment, there is nothing to be stolen.
Merchants still retain full usability and control over the credit card data to initiate recurring billing transactions and manage reporting and reconciliation. Advanced user options give merchants the ability to either see the full 15 or 16 digit credit card number in the Control Panel and API or limit access to masked data only.
These programs allow cardholders to sign up at their issuing bank’s website and create a password to be used for online transactions. Once enrolled, when buying items online, cardholders will be prompted to enter their password prior to completing the transaction – but only if the merchant has previously enrolled in the programs. They were designed to be a consumer’s digital signature and help curb fraud losses. The key benefits to merchants include 1) 100% chargeback protection and 2) Qualification for lower interchange rates.
How it works for merchants
Once a merchant is enrolled in the programs, merchants can choose one of two implementation approaches with us:
- Option #1 – Universal Attempts for Maximum Chargeback Protection
Our unique processing technology does an automatic attempt with Visa and MasterCard on every transaction. If the card is enrolled, we automatically provide an entry screen for the customer to enter their PIN and validate. If the financial institution that issued the card is enrolled in the Verified by Visa and MasterCard SecureCode programs, but the cardholder is not yet signed up, we provide an entry screen giving the cardholder the opportunity to enroll.
The key benefit to this approach: By even attempting to use Verified by Visa, regardless if the customer is enrolled, Visa will provide 100% chargeback protection against that transaction.
- Option #2 – Select Attempts for Less Chargeback Protection
Merchants can choose to only process transactions via Verified by Visa or MasterCard SecureCode when the customer is enrolled and selects that payment method. With this approach, cardholders that are not enrolled will not be given the opportunity to sign up, which some merchants find to be less intrusive during the checkout process. The drawback of not attempting is that Visa will not provide the 100% chargeback protection for that transaction.
|
AMG SecurePay utilizes iSpyFraud™ which was one of the first online fraud detection tools. It was an immediate success and soon became an industry standard. Today, iSpyFraud™ has been radically advanced by constantly updating its features. In addition to preset thresholds, iSpyFraud™ allows merchants to establish their own custom parameters in preventing fraud.
As we continue to fight fraudulent transactions, AMG SecurePay is committed to provide its Merchant's with new and innovative fraud protection tools. Recent products include AMG SecurePay’s Customer Vault™ and Card-Holder Authentication. Both products provide custom strategies that enable merchants to secure and protect customer data.
Vital Platform Only
Level 3 [Level III] Processing gives merchants the ability to collect more information from their customers when performing a transaction. To have your transactions qualify for level 3 pricing, you must use a certified product that collects and submits the data properly to Visa/MC. AMG SecurePay is just that product.
At this critical juncture in credit card processing comes CertifyPCI™.
Eliminate the handling, processing and storage of credit card data without redirecting to a third party page. Tokenization technology allows the merchant to securely use and store the credit card data without PCI Compliance risks. PCI Compliance can be achieved in as few as 60 days.
With the PCI Security Standard continually evolving and new threats always emerging, merchants are finding that achieving and managing compliance is more costly, more time consuming, and more resource intensive than anticipated. As recent breaches have proven, even merchants that achieve compliance are finding that PCI compliance management does not equal security.
For these reasons, merchants are turning to AMG SecurePay. Our unique solutions prevent credit card data from entering a merchant environment without changing the user experience and offer merchants full control over the data. The scope of PCI Compliance is significantly reduced and no credit card data is present to be stolen.
To begin Certification for PCI Compliance with your AMG SecurePay account, merchants simply need to select the CertifyPCI™ link in their Merchant Portal and complete the questionnaire. The questionnaire consists of about 20 to 30 questions regarding your credit card processing. So long as these questions are answered within the PCI Compliance guidelines than you will become Certified. At this point you will then be able to Sign Up for our different features that use CertifyPCI™.
|
