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Spotlight Innovatorsators
Spotlight Innov

our salespeople know how to assist merchants with adopting easy, COVID-friendly fixes, like our virtual terminal and
invoicing functionality," said Malloy.

Additionally, Malloy noted, NAB has launched specialty trainings and support for products the sales team can bring to a
merchant or sales prospect who is interested in facilitating more advanced contactless payment sales. Such applications
include NAB's online ordering program, mobile payment apps, proprietary Payanywhere POS ensemble, and a host of
easy-to-implement ecommerce solutions.
Standing strong for partners

Malloy describes NAB's ability to support its sales partner network in whatever capacity, and whenever or wherever
they need it, as "a true partnership." He indicated NAB has always stood beside its sales partners and remains committed
to backing them with the right programs, promotions, products, and hands-on care they need as the world navigates
through this unprecedented time, and well beyond.

"The most important focus for us right now is ensuring our salesforce is educated and ready to nimbly provide a merchant
with any product they need to draw in business and keep the doors open and cash flowing," affirmed Malloy.

If you're interested in learning more about North American Bancard's products and services, or would like more
information about joining the NAB sales partner team, please visit www.gonab.com or contact an NAB partner relations
representative at 888-229-5229.

SAePay is a family-owned business based in
Los Angeles, CA. For over 15 years, the com-
pany has been assisting merchants with pay-
U ment solutions to fit their needs. USAePay's
payment gateway supports most of the major platforms
in the credit card industry and works with some of the
leading check platforms. USAePay is pleased to work
with most of the larger merchant service banks in the US
and Canada.

What’s New:

Ramping up tokenization

ypically, in payments, when a merchant runs an electronic transaction, the gateway is programmed to use
encrypted data tokens in place of sensitive card data to protect the merchant's side of the transaction flow. This
prevents the possibility of a merchant storing private customer information on their servers and makes it dif-
T ficult for anyone to steal the information for malicious purposes. While this method is adequate for protecting
the merchant in most cases, it doesn’t fully accommodate the merchant's needs when they want to set up a recurring
Sales portal
transaction or handle a return-customer purchase without re-entering the card information.
"Originally, before tokenization became a hot word, when someone ran a transaction and needed to run another payment,
we'd give them a transaction ID," said Vlad Galyuz, Vice President of Product Development at USAePay. "However, only
some actions could be performed, and others could not, without having the sensitive payment details from the original
transaction available."

A simple proprietary solution
According to Galyuz, the gateway providers had to come up with an improved version of the tokenization model to meet
the needs of the growing number of merchants who wanted to use subscription and membership models or offer purchase
incentive programs. "We decided to make what is called True Tokenization, where a merchant can still run a transaction
and get the response code back, but they can also get a transaction token to store," Galyuz explained, indicating the
merchant would then use this token, that doesn't associate with sensitive card data, to do it again in place of running the
card number. The True Tokenization solution is 100 percent PCI compliant and merchants can even keep track of a client's
card by searching the last four digits. "Sometimes you still want to know what type of card it is, so on top of the token, we
send back the card type and the last four digits," Galyuz explained.

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