UniPay Gateway Payment Advice

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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Mobile Payment Processing Techniques
Mobile payments represent a new concept, which is rapidly gaining importance within payment processing industry. Payment applications, installed on mobile devices open new horizons for mobile payment processing. The most general question, related to mobile payment processing, is: how can you process mobile payments and remain out of PCI scope, or at least, minimize your exposure level? There are several mobile payment solutions you can choose from in order to find the...
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Split Funding Models
After the emergence of online marketplaces and affiliate marketing the need for split funding mechanisms became extremely relevant. It became obvious that conventional model, under which the processor withheld a certain part of every transaction as payment processing fee could not accommodate more complex split payment scenarios. As the new types of transaction participants emerged, new mechanisms had to be implemented in split funding platforms to allow each party to get the...
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Online Marketplace Model
The concept of online marketplace became relevant after rapid development of companies, which chose online marketplace model as their basic business model. The most well-known examples include Uber, eBay, as well as Amazon. In the online marketplace model credit card processing has its peculiarities. Transaction processing mechanism, used in marketplaces, has to be capable of splitting the overall transaction amount into several (more than two) parts, which are then deposited to...
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EMV compliance: how to become EMV compliant
EMV compliance is an important issue, faced by today’s merchants. In order to become EMV compliant, a merchant should implement a payment terminal solution, which allows it to accept EMV chip card payments. Particular steps to be taken, i.e. the merchant’s strategy for implementation of the EMV standard, depend on the terminal solution, which is already in place. If a merchant does not yet have any solutions in place, it has...
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From Batch to Retail Payment Processing
Addition of a retail payment processing component to an existing payment ecosystem, which is presently focused on handling of recurring payments, and, consequently, is equipped mostly with batch processing functionality, is a serious challenge. The problem is extremely relevant for recurring billing software vendors who decide to make their operations model more robust, flexible, and universal. Implementation of retail payment processing functionality is, usually, associated with addition of a card-present EMV...
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About UniPay Gateway

UniPay Gateway is the accomplished payment gateway software, being flexible and customizable it meets the requirements of the most demanding clients.

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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