UniPay Gateway Infographics

In this infographic, we will navigate you through the difference between classical vs. collaborative payment processing. Every payment gateway, processor, or bank uses its own payment system (often a unique one). In order to establish a new payment gateway or...

UniPay-to-UniPay integration provides a conceptually new approach for merchants and payment facilitators that face the need to integrate with some payment processors.Integration “from scratch” involves multiple phases: each function (such as real-time and batch processing, tokenization, merchant on-boarding, and others)...

Due to the evolution of payment methods, collaborative payment processing has become a new standard recently. When companies plan on selling online, they will need payment processing platforms and it should be scalable as well. When the volume is low, integrating...

A payment cloud terminal solution just looks more organized than a non-cloud solution, does it? That’s because modern cloud terminal solutions have learned lessons from the past and now bring credit card processing into the future. With the cloud approach,...

Bank account transfers are widely used by businesses all around the globe. But the process of transferring money between bank accounts differs depending on the country. And if you want to add this functionality to your payment gateway you need to...

Online businesses are constantly emerging. And all of them need to rely on some payment gateway in order to accept payments online. Taking into account the international nature of modern businesses it is extremely important for a payment system to be...

A commercial open source payment gateway has many benefits over proprietary commercial software or building your own payment solution. Creating a fully functional payment gateway can be a real challenge when you try to build something of your own and go...

A payment service provider (PSP) is a company which provides merchants with individual merchant accounts, helps them with merchant underwriting and payment processing but does not fund merchants directly. In order to become a PSP one needs to build or license some payment processing...

Web-based merchants considering their payment gateway choices must keep several things in mind to make the best possible decision. It’s important to keep fees, ease of integration, customer awareness, brandability and funding speed in mind when choosing the best payment...

To accept payments online, businesses must rely on a third party payment processors. There are three types of these: a payment service provider, a payment facilitator and a payment aggregator. So what are the differences between these payment processors? A payment...

One of the most frequently asked question is how to choose a payment gateway which will meet the specific requirements of your business from the great amount of the available ones. There are a lot of things which you need to...

The key difference between integrated and semi-integrated payment terminal solutions is as follows. In an integrated payment terminal solution cardholder data is transmitted from the point of card entry (i.e. payment terminal) to the point-of-sale (POS) application, which then passes...

The two most significant advantages of point-to-point encryption (P2PE) are as follows. If card data, transmitted from the terminal to the POS application (and on, to the payment gateway), is encrypted, the merchant application does not handle card numbers and...

Transaction processing lifecycle involves several key stages. UniPay platform is involved in most of them. Payments of different types are submitted to the system using various entry modes (chipped card, magnetic swipe, etc.) and devices (payment terminals, mobile devices, etc.)....

In essence, recurring billing is a cyclic process, involving several key stages. These include invoicing, balancing (outstanding debts are balanced against the invoices), billing itself, processing of the claims, handling of declined payments, and assessment of fees (such as late...