UniPay Gateway Payment Advice

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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From ISO to Payment Facilitator
The number of payment facilitators at the modern merchant services market is rapidly growing. The concept of a payment facilitator is gaining popularity, alongside other concepts, defining different intermediary entity types, such as a payment service provider (PSP), a payment aggregator, merchant services provider (MSP), or an independent sales organization (ISO). Many present-day ISOs are considering the idea of switching to payment facilitator business model. Payment facilitators more actively participate...
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Implementation of EMV Payment Terminal Solution
Implementation of a payment terminal solution is a relevant problem for many present-day companies that are interested in both card-not-present and card-present payment processing. The problem became even more relevant after the EMV liability shift, as EMV certification is an important phase of payment terminal solution implementation. Companies, that face the challenge of card-present solution implementation, can be (roughly) divided into the following categories: startups (newcomers) and existing companies that want...
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Getting out of PCI scope
Every company, which accepts credit card payments and handles cardholder data, falls into the so-called PCI scope. It means that, in accordance to payment card industry (PCI) requirements, it has to go through regular PCI audit. In order to be PCI compliant, the company has to perform tokenization of card numbers. However, technically, if the company does not use any software which handles unencrypted card data, it remains out of...
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Dealing with multiple international payment platforms
Due to international nature of modern merchant services market, many companies start looking for opportunities to expand their online payment processing operations to new geographies. This tendency towards global payment processing creates new challenges for expanding companies, such as having to deal with multiple international payment platforms, multi-currency operations, underwriting arrangements (granting merchant accounts) in foreign countries, and others. Entities, which have to look for international payment processing solutions, include...
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Legacy System
Many present-day businesses are still using legacy systems to handle payments. Often these legacy systems are incapable of meeting the requirements of modern merchant services industry. Although the management of a company might realize the necessity of replacing the legacy system with a newer solution, capable of performing existing and new tasks more effectively, it is often unclear to the managers, how to organize the transition process. True, legacy system replacement...
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Business Solution Upgrading Challenges
Adding new components to existing business solutions is always a challenge. A new component added to some business solution can either replace some older version of the same component, or perform some new functions. In any of the two cases some common problems (typical for merchant services industry) can emerge, no matter who develops the new component: internal development team from within the company, or some independent software vendors. In...
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The challenges of mobile EMV solutions
The problem of selecting the best mobile EMV solution is extremely relevant for merchants, POS software vendors, and payment gateway providers. From the standpoint of a POS software provider, the task is to integrate a card-present solution into a mobile app. If a merchant’s mobile device is connected to a card reader, it can function as a mobile POS system. However, there are several issues which have to be taken...
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Understanding EMV Liability Shift
The EMV liability shift seems to be something of a mystery to many merchants and merchant service providers. But EMV chip cards are here to stay, so it makes sense to better understand the shift and how EMV-enabled devices can perform well for you. But is it mandatory? And what about stolen cards? Has my company’s liability increased because of the transition? There’s really nothing complicated about understanding EMV chip technology and...
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A Modern Payment System With Terminal Cloud Solution Is Available Now
A terminal cloud solution that works well and supports EMV can help ease some pain points that companies experience when dealing with payment processing. Modern payment terminal software designed with today’s needs in mind isn’t just a dream, however. It’s a reality for those who use the right terminal application. The biggest recent change in the payment industry involves the EMV liability shift, and while EMV technology should be in place across...
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Bring Everything Together With An Omni-Channel Payment Platform
In-person sales, website transactions and assisted sales through call centers can all come together in one place with an omni-channel payment platform. Omni-channel systems provide a consistent experience and allow for having all information in one place, benefitting both your staff and your customers. So what’s not to like? Omni-channel processing gives you a consistent data stream from which you can easily pull data to help you make decisions, predictions and determine...
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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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