FEE REBATE GENERATOR
PayCertify is the only merchant processing company to offer the exclusive Fee Rebate Generator program. This program is essential for E-Commerce and Card Not Present merchants processing $10,000,000 or more per month. For merchants at this revenue level, PayCertify’s Fee Rebate Generator can potentially eliminate all merchant processing fees by using proprietary Virtual Card Issuing technology.
All transactions begin the same, with a customer going to a checkout page and submitting their credit card data. In a standard processing transaction, the processing starts by checking the credit card balance, and the following standard process occurs; a portion of the balance is blocked out to cover the transaction amount, a request is forwarded to the processor, the processor forward that request to the issuer, and the issuer forward that to the bank which generates a front end interchange and basis point cost to you the merchant.
In PayCertify’s Virtual Card Issuing environment on the backend, the process begins the same way, with a customer going to a checkout page and submitting their credit card data. The credit card balance is then checked, the balance is blocked out for the transaction amount, and the request is then forwarded to the processor. This is where the Fee Rebate Generator takes over; PayCertify then funds the virtual card, the virtual cards pays the wholesale division (ie. fulfillment, hotel, airline ect) , and based on this transaction which generates an additional interchange cost, the merchant receives a rebate of up to 2% of the interchange generated. This process generates extra money on every transaction, and it is triggered on every purchase which results in tens of thousands to millions of dollars back to the bottom line.
Our Payment Gateway provides a safe and low cost way to run your transactions in a card not present environment, while supporting multiple payment processors, credit card brands and card types. It also support all of PayCertify fraud prevention products out-of-the-box.
3D Secure is a protocol designed to be an additional security layer for online credit and debit card transactions. It was first deployed by Visa with the intention of improving the security of Internet payments and is offered to customers under the name Verified by Visa.
Kount’s patented machine learning technology analyzes transactions to stop fraud and increase revenue for online businesses, merchants, acquiring banks, and payment service providers. Through it’s cutting edge technology.
INCENTAPAY is a virtual card issuing platform that empowers merchants by incentivizing customers that shop at their online stores with rewards for purchses which increases conversions, increases the average ticket size and purchase order and pads the bottom line with tens of thousands of dollars per month in additional revenue.
PayCertify is the only merchant processing company to offer the exclusive FEE REBATE GENERATOR program. This program can potentially eliminate all merchant processing fees by using proprietary Virtual Card Issuing technology.
MOTO|SECURE is a revolutionary new product designed to be an additional security layer for online money order/telephone order transactions. We combined the security of 3D Secure with the ease of use of our MOTO virtual terminal and POSITIVE purchase confirmation via SMS text and/or email.
Representing a chargeback is the last resort in order to prevent fraud. Once you have decided to fight a chargeback, you need to prove through evidence that the transaction being charged back is a fraud attempt.
PayCertify Guarantee is our proprietary Transaction Insurance product. This product is built in to your processing fee, and gives your customers piece of mind that the product or service is fully insured and backed by PayCertify.
PayCertify's proprietary confirmations system, Verify Secure, serves as the last tool on the queue of our front-end tools. Confirmations eliminate any doubt that a transaction may be fraudulent by confirming that the customer actually has physical possession of the card.
Our Data Enrichment API is proprietary technology, that was developed through our many years of experience with the financial market. It basically consists on an asynchronous check of a mix of publicly available data and our own databases to enrich the provided data.
Our Chargeback Alert management system offers a way for businesses to prevent disputes from becoming actual chargebacks. Once you are signed up for Chargeback Alerts, when a customer tries to initiate a dispute.
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