UniPay Gateway Payment Advice

Payment Gateway Monitoring
The two basic approaches used for monitoring of payment gateway operation include transaction velocity tracking mechanism and internal audit. Internal audit is intended to detect problems within the payment gateway system itself. Transaction velocity tracking is the mechanism targeted at detection of connection problems and issues, happening on the customers’ end. Sometimes internal audit of a payment gateway includes checking of log files, generated by various subsystems. In some cases it...
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PSPs, Payment Facilitators, and Aggregators
Depending on a size of a merchant’s business, the merchant might find it more profitable to operate through various types of intermediary entities. A small-size merchant might not even have a MID. In this case merchant funding will be performed by a payment aggregator – a business, which has a lot of small sub-merchants in its portfolio and uses a single merchant ID for all of them. If the intermediary...
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Payment Processing Emulators in Payment Gateways
A payment processing emulator can enhance, and at the same time, simplify the process of integration between a payment gateway and various third parties (such as new merchants and resellers). During integrations with the legacy systems merchants developed all integration-related functionality themselves and then tested it on special scenarios. The results of these tests had to be reviewed by the assigned specialists (real operators) on the payment gateway’s end. In modern systems...
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Handling of Convenience Fees
If you want to implement convenience fee handling in your payment gateway or system, you need to answer some fundamental questions. First you need to define, whether it will be implemented within your system or within some third-party system. Second, you need to decide, whether convenience fee will represent a part of the original transaction, or it will be processed as a separate one (under a separate MID). If you want...
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3D-Secure and MPI Integrations
E-commerce transactions represent one of the most vulnerable industries and require additional protection against fraud. In order to grant this protection, 3D-Secure protocol was developed. If you need to handle e-commerce transactions, incorporating 3D-Secure verification functionality into your payment gateway might be a good idea. Some of your customers might be using the payment page. To deal with these customers, you need to include 3D-Secure-related functions into checkout mechanism, already implemented within...
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HSM, Tokenization Appliance, or both?
It is important to understand, that hardware security modules (or HSM) and tokenization appliances represent two types of devices which work together, but cannot replace each other. A tokenization appliance is intended for implementation of vault functionality. However, some functions related to encryption and decryption of cardholder data, are “delegated” to the HSM. In order to communicate with a hardware security module, a tokenization appliance has a respective API. As PCI...
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EMV, P2PE, or both?
The question of co-existence of EMV and P2PE in a single payment system or application becomes as relevant as ever in view of the approaching liability shift of October 15, 2015. While EMV is rarely used without point-to-point encryption, some companies rely on P2PE as their major protection. The optimal solution is to implement both EMV standard and point-to-point encryption. However, if you have to make a choice between the two...
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The Challenges of Chargeback Disputing and Delivery
There are several approaches which can be used to handle chargeback delivery to the merchants and chargeback disputing. As the number of transaction volumes processed (and respective numbers of chargebacks issued) grew, new approaches were introduced. The progress of chargeback handling technologies continues even now. When it comes to chargeback delivery, the most traditional approaches included regular mail and fax. Originally, chargeback information was simply sent to merchants in the form...
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Payment Terminal Fulfillment Process
Payment terminal fulfillment mechanism is associated with several important aspects. First, a fulfillment center you are dealing with needs to be able to install all the necessary software and to inject the encryption keys of the processes, which the merchants are going to partner with, into the terminals. Second, there is a whole set of fulfillment-related issues which you need to think through. You need to know how the initial order...
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Payment Terminal Management Systems
A terminal management system is intended to perform different tasks, including updates of terminal parameters, re-injection of encryption keys, and remote updates of applications installed on the terminal itself.  When it comes to configuring the terminal’s parameters, the TMS must be able to define, for example, which types of card payments the terminal is going to accept. When it comes to management of the payment terminal’s lifecycle, the system has to...
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Embedded Payment Terminal Solutions
Historically, non-embedded terminal solutions were the first to dominate the payment terminal industry. Their history spans about three decades and they are still industry-accepted worldwide. However, with evolution of connectivity methods, when RS 232 connection ports were replaced by Ethernet ports and wireless connection, embedded payment terminal solutions started to gain popularity. Both embedded and non-embedded payment terminal solutions have their strong points and weak points. For instance, while non-embedded terminal solutions...
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Payment Terminal Application Features
Typical payment terminal application features include features related to transaction processing, as well as support of various loyalty programs and non-payment functions. Handling of ACH transactions, support of both card swipes and manual entry, handling of encrypted PINs, support of both contact and contactless EMV payments, as well as RFID cards, closed-loop gift cards can be classified as payment terminal application features concerning payment processing. Support of non-payment magnetic cards, as well...
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Point-to-point Encryption
Point-to-point encryption technology evolved in response to emergence of new types of credit card fraud. Although SSL protection is always there, at communication level, point-to-point encryption provides additional protection layer for cardholder data. There is no unified opinion as to which algorithm is the best one when it comes to point-to-point encryption. Some businesses use symmetric encryption keys and encrypt the data with triple-DES algorithm, while others choose asymmetric keys and...
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Terminal Solution Components
There are several important issues, which any large-size merchant or payment facilitator needs to consider when it comes to implementation of a terminal solution.  The first thing to consider is payment terminal fulfillment. The payment terminal supplier (order fulfillment center), dealing directly with the manufacturer, should have the required number of payment terminals of the required model available for sale. Another aspect to be kept in mind in fulfillment context is...
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Saving on Merchant Services Fees (Part 2)
Every large-size merchant, PSP or MSP needs to review its merchant services arrangement from time to time. Some new arrangement can allow a business to save some money on merchant services fees. For example, a payment service provider can optimize its transaction routing strategy. Amex card transactions can be routed directly to the association for processing, while debit cards can be processed by PIN-less debit networks. Another approach, which can be utilized...
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About UniPay Gateway

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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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