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North American Bancard

Offering maximum value in a merchant portal

Merchant information portals have been around for decades. They were initially designed as standalone applications that a merchant could use to track and retrieve information about customer credit card transactions, nightly batches and the source of an occasional chargeback. The information in the portal also served as a merchant’s detailed source for reconciling monthly transaction activity against their merchant statement.

“Transaction portals were invented to give the merchant a daily snapshot of what is flowing through their point of sale equipment, and also a way to manage how authorizations are batched and submitted to their bank,” stated Jim Parkinson, Chief Information Officer at North American Bancard (NAB).

Since the advent of the merchant portal, significant strides have been made in the areas of automated POS software and the integration of transaction data into popular business accounting applications. While the need for the standalone merchant portal has changed, it is still a valuable tool for merchants, especially those who manage multiple remote locations through a non-networked environment.

More than a data source

Over the years, many merchant portals have evolved into applications that provide users with even more capabilities. For example, merchant portals can provide access to a virtual terminal for keying in customer payments received by phone or mail. Other enhanced features might include deposit monitoring or supply fulfillment.

Generally, these additional features were built onto existing architecture, leaving much to be desired in the area of usability. “These applications were initially built for the simple purpose of storing transaction information, and it wasn’t always easy to enhance them,” Parkinson continued. “Many legacy merchant portals have become antiquated and clunky by today’s contemporary technology standards.”

According to Parkinson, this was one of the motivations behind the rebuild of North American Bancard’s merchant portal. While their legacy application offered many features other portals did not, the NAB team saw the rebuild as an opportunity to bring in additional features that could not easily be accommodated through the old portal’s architecture. The team also felt a re-skin of the portal’s user interface was in order to give it familiar graphical and navigational features, making it easy to use. Their answer was a fully reconfigured merchant portal the company dubbed Payments Hub.

Everything at the merchant’s fingertips

Perhaps the most striking feature of Payments Hub is its modern look and feel. The screens are graphically enhanced and very easy to interpret at a glance, mirroring common navigational and graphical interface features found in other well-known business portals. Merchants view transaction activity in dashboards and charts, and even have the ability to filter and change variables on the fly, such as dates and transaction types. The portal was also made fully responsive, meaning it is optimized for mobile viewing, making it easy for any merchant to check transaction detail, process a supply order, or accept a mail or telephone transaction conveniently from anywhere on a smartphone or tablet.

“We were striving to create a go-to dashboard that merchants would not only feel comfortable using, but one that would also peak their curiosity like so many contemporary dashboard applications do,” explained Parkinson. “People love graphical data, and business owners are no exception, so we wanted to make the drudgery of the daily transaction more pleasant and user-friendly, ideally engaging the merchant further into their day-to-day payment analytics.”

Payments Hub also has a full-featured reporting option, giving NAB merchants access to aggregated data reports. These reports can be categorized by unique transaction details, including but not limited to the specific card brand or payment type, as well as refunds and deposits. There is even a report that provides important tax-related detail.

Other features of Payments Hub include an easy virtual terminal interface that is free to all existing and new NAB-affiliated merchants, an employee profile wizard that makes adding, deleting or changing user access rights and credentials a breeze, an invoicing feature, a supply ordering interface, dispute management features for handling pre-arbitration and chargeback requests, a statement matching tool, and much more. NAB is committed to providing access to even more capabilities through Payments Hub, delivering a comprehensive solution to help merchants manage and grow their businesses.

“We want to give our merchants all of the control and access they need to manage their accounts within a modern interface they are already familiar with,” Parkinson concluded, “The more comfortable our merchants are with the administrative tools we provide them, the more comfortable they will be managing their merchant accounts, and that validates their choice of payment service provider.”

Give your merchants the latest and greatest

If you’re interested in learning more about Payments Hub, or if you would like to offer your merchants the latest merchant and payment technologies through NAB, visit www.gonab.com or call 877-223-6577.


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