UniPay Gateway Payment Advice

Processor-specific Platforms for Payment Facilitators: Vantiv
If you are a payment facilitator, you have special requirements to your potential processing partner. Naturally, a payment platform you choose to integrate with should have a payment facilitator program, that suits your needs. One of the largest payment processors at today’s market is Vantiv. It offers two payment platforms to its payment facilitator customers. They are Vantiv Tandem and Vantiv Lowell. Vantiv Tandem is a legacy platform, while Vantiv Lowell...
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The Benefits of Becoming a Payment Facilitator for Franchisors
Many present-day businesses decide to follow payment facilitator model in order to ensure the high level of service for their sub-merchants. Several categories of businesses can adapt payment facilitator model relatively smoothly and enjoy considerable benefits it offers. While the most typical example of such a business is a software platform provider, franchise companies can also considerably benefit from payfac model adaption. If you are a franchisor, you already have a...
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Flavors of White-label Payment Gateway
The concept of white-label payment gateway is rapidly gaining popularity among merchant services industry players, looking for the most suitable payment gateway solutions. Some businesses are searching for payment gateway solution they could use to connect them to processing partners, while others are deciding on the best option to replace their already existing legacy payment systems. A white-label solution is a good option in both these situations. We should note that...
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Mobile and In-App Payment Handling
With fast development of mobile devices and respective software collection of in-app payments becomes an extremely relevant issue for many businesses. Development of mobile POS systems (MPOS systems) and handling of in-app purchases represent important aspects within the activity of companies that operate online and have to handle card-not-present payments. If you want to be able to accept mobile payments, you can follow one of several approaches. The first and the...
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EMV Toolkit: Experience and Recommendations
An EMV toolkit is an essential EMV terminal certification instrument. Each EMV toolkit is targeted at certification of a certain EMV terminal solution in a certain geographical region. After EMV liability shift the problem of EMV toolkit selection became extremely relevant for many companies that want to implement some EMV chip technology. There are several major brands, offering EMV toolkits for performing EMV tests, including ICC, UL, FIME and others. Before...
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EMV Terminal Certification and EMV Toolkit
Any payment service provider or merchant, that wants to implement an EMV credit card processing solution, needs to go through EMV terminal certification process. EMV toolkit is the key instrument, needed for EMV certification. An EMV toolkit includes one or several pieces of hardware and the respective software that is needed to generate various EMV payment processing scenarios. These scenarios provide the basic steps of EMV credit card terminal certification...
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Why You Need Acquiring Bank Partnerships
If you want to become a PSP and provide payment gateway services to your sub-merchants, you need to be familiar with the concept of acquiring bank. In order to process transactions for your sub-merchants, beside some payment gateway software product, you need to find an acquiring partnership. In fact, choosing an acquiring bank, that can issue merchant accounts to you and your merchants, is a first-priority task, that comes even...
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What Payment Gateways do Companies Like Airbnb and Uber Use?
People are constantly asking questions like: what is Airbnb payment system; what is Uber payment system; who is Airbnb payment processor etc. In 2010-2011 the payment service provider behind Airbnb (according to the company’s founders) was Braintree. But now the company expanded to many new geographies and utilized multiple new payment processing solutions, so it is impossible to provide accurate answers to the listed questions unless you are a manager...
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Payment Gateway Cloud
The list of such concepts as hosted payment gateway, licensed payment gateway and white label payment gateway can now be continued by the new concept of payment gateway cloud. Payment gateway cloud concept emerged only recently, as a result of evolution of customer needs and respective payment technologies. For a startup business traditional payment gateway integration can be the most obvious and easy-to-implement payment processing solution. A larger business with more...
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On the Way to Collaborative Payment Processing
The concept of collaborative payment processing is quite new. However, it emerged as a result of a long evolution of payment technologies. Every growing business has to go through several development phases. If a company decides to sell its products or services online, it needs some payment processing platform that it could use. As the business grows, online payment processing solutions it utilizes become more sophisticated. A typical solution for a...
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Credit Card Processing for Startups
Any startup company that wants to accept payments online has to look for some credit card processing solution to utilize. While many startup businesses are searching for a payment processor or payment gateway, offering their services for the lowest price, this is not the best strategy to follow. In fact, payment processing for startups is a tricky matter. If you are a new company, you might be surprised to find that...
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Is it Time to Switch to a New Payment Gateway Solution?
Why should a business decide to switch payment gateway? Switching to a new payment gateway may be a costly and labor-intensive procedure, however, sometimes, it is the only choice. Both merchants and intermediaries (payment service providers, payment facilitators, aggregators, ISO) realize that if current payment gateway solution is unable to satisfy their business needs, it is time to look for a new one. Merchant services industry is developing rapidly, so even...
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How to Streamline Merchant Onboarding and Provisioning
Merchant onboarding and underwriting are essential steps on the way to online payment processing. Present-day aggregators and payment facilitators strive to simplify merchant onboarding process and provide merchants with an opportunity to start processing payments the moment they submit their data to the underwriter. Previously, the process of merchant onboarding could take up to several days. If a merchant applicant submitted the required information to the underwriter manually (on a paper...
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Split Funding Challenges
With the advance of online marketplace models the demand for split funding functionality increases. However, many payment service providers (PSP) are reluctant to offer split payment processing functionality to their customers on top of already provided merchant services. Payment service providers are discouraged by the risks and challenges, associated with traditional split funding platforms. When a chargeback is issued or refund requested by a customer, the challenges of a traditional split...
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Credit Card Processing in Restaurant Industry
Usage of tips is a common feature of several industries (including restaurant industry, beauty saloons etc.). Originally, tips were given in cash. However, if credit card processing is involved, tip should be added to the amount of the main purchase. The traditional way of handling tips when a customer pays with a card was called tip adjustment. The tip was specified on the receipt, added to the main transaction, and...
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The choice of UniPay gateway is the choice of the reliable, time and industry tested payment solution, which can help your business to become more competitive and profitable.

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