APS Blog

Canadian Merchant Accounts - What are my options?

Posted by Patty Benitez on Nov 16, 2017 10:00:00 AM

When setting up a Canadian Merchant Account, most companies learn quickly that their options are quite limited. Up until recently, there have only been a few options to accepting credit card payments in Canada. North American Payment Solutions launched in Canada early 2016, and has been providing merchant services to several different types of companies in Canada including manufacturers, wholesalers, retail shops, eCommerce companies, and hotels. 

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Topics: Sage 300 Credit Card Processing, Canadian Merchant Account

North American Payment Solutions Sponsoring BAASS Connect 2017 Canada Tour

Posted by Patty Benitez on Nov 15, 2017 7:42:24 PM

It’s been a very busy year of travel for the team here, and we are excited to tour Canada this November with one of our great partners, BAASS Business Solutions. The BASS Connect 2017 tour includes several stops along the way, including London (November 14th), Burlington (November 15th), Thornhill (November 16th), and finished in Vancouver on November 30th.

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Topics: Sage 300 Credit Card Processing, Canadian Merchant Account

SAP Business One American Express OptBlue Credit Card Processing:  How to Get the Lowest Rate

Posted by Clint Gillman on Nov 2, 2017 6:24:52 PM

Whether you are a manufacturer or distributor, credit card processing is an important part of your business, especially American Express cards. Most people think of consumer cards when they think of American Express, but American Express is one of the most popular cards for businesses as well.  However, the fees American Express charges, to merchants who accept their cards, can be much higher than the typical Visa/MasterCard transaction. Some companies pay as much as 3.50% for their American Express transaction.
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Topics: PCI Compliance, Level 3 processing, SAP Business One Credit Card Processing, SAP Business One Batch Processing

SAP Business One Credit Card Processing in a Batch vs. Real Time

Posted by Clint Gillman on Oct 11, 2017 12:36:08 PM

Credit card processing transactions are processed in one of two ways, batch or real time.  The method selected is determined by the company accepting payments and the environment where credit card transactions are processed.

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Topics: PCI Compliance, Level 3 processing, SAP Business One Credit Card Processing, SAP Business One Batch Processing

SAP Business One Credit Card Processing:  Multicurrency on a Single Database

Posted by Clint Gillman on Oct 5, 2017 11:37:44 AM

Multicurrency billing is one of the strongest differentiating factors between SAP Business One and other leading mid-market ERP systems.  To maintain this strong differentiating feature, SAP Business One credit card processing functionality MUST enable users to accept accounts receivable payments in multiple currencies.

Credit Card Processing

International companies who need the ability to process payments in multiple currencies will be able to do so using American Payment Solutions credit card processing SAP B1 integration. APS also allows this feature through a single database, using a single gateway, which simplifies this process regardless of your native currency.

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Topics: PCI Compliance, Level 3 processing, SAP Business One Credit Card Processing

Acumatica Level 3 Processing

Posted by Patty Benitez on Sep 22, 2017 12:05:25 PM

Why it's important to use Acumatica level 3 processing when accepting credit card payments

It is incredibly easy these days to set-up a new business to accept electronic payments.  Companies can subscribe to an online entry level accounting package like QuickBooks or Sage 50 and be up and running collecting payments the same day.

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Topics: Level 3, PCI Compliance, Level 3 processing

Acumatica Credit Card Processing and eCommerce Integration

Posted by Patty Benitez on Sep 21, 2017 10:00:00 AM

Secure Acumatica Credit Card Processing for eCommerce Customers

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Topics: Acumatica

PC Charge Atlernatives

Posted by Patty Benitez on Sep 19, 2017 9:00:00 AM

 PC Charge is discontinued middle ware that is no longer supported. It stores credit card information on the local server.  For this reason, it is possible the local server can be hacked, compromising the credit card data.  If you are still using this discontinued solution you should be looking for PC Charge alternatives. Companies using PC Charge may be held accountable for any credit card data theft in the case of a data breach.

In 2015, Verifone announced the retirement of PC Charge. Since it is no longer supported, users are not able to validate PCI DSS compliance.  In order to validate PCI DSS compliance you must find a PCI DSS compliant solution.  We receive many calls from companies exploring options to PC Charge.  If you are looking for a credit card processing replacement, you have come to the right place!   

Payment Card Industry Data Security Standards (PCI DSS) were first introduced in 2004 and have tightened ever since.  The standard was created to increase controls and reduce credit card fraud.  In short, PCI compliance is a set of industry standards used to measure the security of businesses that accept, process, store, and transmit credit card information. If a company is PCI compliant they are less likely suffer data breaches that could expose customers to identify theft. If a company has a merchant ID and accepts credit cards in either their physical or virtual business, then they are subject to PCI DSS industry standards. . It is important to find a credit card processing solution that is PCI compliant. 

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Topics: PC Charge

PCI Compliant Credit Card Processing

Posted by Patty Benitez on Sep 15, 2017 11:00:00 AM

PCI Compliant Acumatica Credit Card Processing: How to Protect Your Customers From Data Compromise

Credit Card Processing

If you are using Acumatica Cloud ERP and processing credit cards for accounts receivable you are responsible for using a PCI compliant Acumatica credit card processing solution that adheres to the Payment Card Industry Data Security Standards (PCIDSS).

Companies who store, process or transmit cardholder data must be PCI compliant.  In order to be PCI compliant, companies must follow 12 basic security requirements as follows:[1]

  1. Install and maintain a working firewall to protect data
  2. Keep security patches-up-to-date
  3. Protect stored data
  4. Encrypt data sent across public networks
  5. Use and regularly update anti-virus software
  6. Restrict access by "need to know"
  7. Assign unique ID to each person with computer access
  8. Create unique passwords and security parameters
  9. Track all access to data by unique ID
  10. Regularly test security systems and processes 
  11. Implement and maintain an information security policy
  12. Restrict physical access to data
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Topics: Acumatica

PCI Compliance Levels:  Developing an Effective PCI Compliance Strategy

Posted by Patty Benitez on Aug 29, 2017 9:00:00 AM

4 PCI Compliance Levels

The Payment Card Industry Data Security Standard (PCI DSS) is a set of security standards designed to protect customer credit card data by maintaining a secure credit card processing environment.  Businesses that are not PCI compliant may be subject to fines, sanctions, and loss of privileges from the clearinghouse that processes credit card payments.  Businesses that fail to protect customer data can also be subject to lawsuits and governmental prosecution.

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Topics: PCI Compliance