The Green Sheet Online Edition
January 10, 2011 • Issue 11:01:01
Robust gateway for e-commerce
National credit card processing and merchant services provider Charge Card Systems Inc. recently launched CCS ePay, a proprietary e-commerce gateway designed to enable retail and MO/TO merchants to process credit, debit, PIN debit and ACH check transactions securely online.
"From a standard perspective, it's a virtual terminal and a payment gateway," said Adam Moss, Vice President of Sales, National Sales Manager for CCS. "Someone can sit down at their desk, log onto a website and use it as a virtual terminal to process transactions.
"At the same time, merchants can link their websites to CCS ePay to create a payment platform for online order processing."
It's great for mobile businesses, too, Moss added. "We get more and more calls about processing through phones, for laptops, and the gateway does that," he said. "You can process through the BlackBerry and the iPhone. You can take out your laptop and get a wireless connection and process transactions."
Once final testing is complete, the system is expected to offer signature capture on the Apple Inc. iPhone, where the actual signature can be printed on the receipt.
The gateway supports Blue Bamboo's Bluetooth P25-M mobile printer, a wireless, server-based terminal that fits into the palm of the hand. "We can set up the CCS ePay to BlackBerry and sell them this card reader," Moss said. "They swipe the card; they print out a receipt. It's like you're in a store with a POS system."
The wireless card reader helps prevent chargebacks because it can convert offsite card-not-present transactions into swipe card transactions, Moss noted.
For business owners, one of the system's strengths is the ability to monitor the progress of employees. "You're back in the home office and you want to see how your staff is doing," Moss said. "You can log into the portal and see what's been processed." For example, a plumber could swipe a credit card through the wireless terminal at a job site, and the transaction would register through the gateway for tracking and reporting.
"On a terminal, you batch out your system; you can't run reports," Moss said. "You can't find out what you just did because it's no longer in your terminal.
"Now in a payment gateway, you can go back at least six months, if not longer, and find transactions. It's really a very powerful back-end reporting tool."
What's more, installment billing and recurring billing are built-in features. "The installment billing, I think, is somewhat of a unique feature in that if you want to give somebody the opportunity to make a payment over three months, we can do that," Moss said.
With the recurring billing option, merchants can search a transaction and, given authorization, charge the same card again at a future date.
Moss pointed out that merchants using CCS ePay enjoy seamless integration with Intuit Inc. QuickBooks. "What's really nice about the product is there's a QuickBooks sidebar," he said. "The sidebar rests and resides on your computer.
"Let's say QuickBooks is closed, but you want to run a transaction. You could run a transaction through the sidebar and process it. As soon as you open QuickBooks, that transaction will be reconciled into QuickBooks."
The company offers an entry-level HioPos POS system that connects merchants directly to the CCS ePay gateway, allowing small to midsize merchants to create a more advanced processing station, Moss said.
He added that the gateway itself is Payment Card Industry Data Security Standard compliant, but merchants still need to ensure their connections are compliant.
Charge Card Systems Inc.
888-505-2273, ext. 207
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