Solutions

In several previous articles we have described the embedded finance model and some of the key embedded payments features. In this article we would like to address the importance of support for web tokens within embedded payment solutions. Nowadays, platforms become m [...]

In spite of pandemic-driven economic recession, electronic payments go on, more or less, as usual. Moreover, we feel that payment facilitation, merchant, and gateway services are as relevant and demanded as ever. We continue to get inquiries from people and companies [...]

This article is dedicated to gift cards; it describes several approaches to closed loop gift card processing. Gift cards are gaining popularity in different industries. Companies that want to support closed loop gift cards can choose one of the two options. Particula [...]

In this and subsequent articles we are going to address different concepts, which are relevant for payment gateway software developers. The purpose of this article is to provide recommendations, allowing payment gateway software developers to enhance the efficiency o [...]

As new types of fraud emerge in the modern payment processing industry, the concept of point-to-point encryption (sometimes referred to as end-to-end encryption) becomes more and more relevant as an additional protection mechanism. The purpose of this article is to p [...]

One of the challenges in the implementation of a payment solution is the long-term storage of the data. The primary information to be stored by your payment system is the information about transactions processed. Systems that experience large processing volumes accum [...]

The purpose of this article is to familiarize merchant services industry players with the mechanisms implemented in payment gateway software for the cases when transaction processing becomes impossible due to temporary loss of connection with the “back end” (for [...]

With the advance of electronic payment industry and online payments in the world, and with the increase of online payments’ percentage in the total number of payments, more and more companies are redefining their online payment processing strategies. In order to be [...]

The purpose of this article is to familiarize merchants and payment service providers with the concept of ACH and credit card transaction descriptors. Descriptor definition A descriptor is a description of a product or service purchased by a customer from a certain m [...]

The purpose of this article is to familiarize payment card industry players with the concept of credit card batch processing optimization. Particularly, the article addresses several techniques intended for increase of approval rates in recurring billing and bill pay [...]

It is more and more common for present-day businesses to use white label payment gateway software. The purpose of this article is to familiarize merchants and PSPs with the concept of payment gateway branding and the role it plays in merchant services industry. It al [...]

In this article we are going to address several ways of implementation of payment gateway solutions available to merchants and payment service providers who process credit card and ACH transactions. As mentioned in the previous article, payment gateway solutions cons [...]