Frequently asked questions

What is CERTIFY Pay ?
CERTIFY Pay is a secure, convenient payment solution that enables merchants to receive payments seamlessly while giving patients an easy, safe way to pay online via mobile or cards or cash.

CERTIFY Pay integrates with online and mobile platforms to provide a payment gateway that securely processes transactions. Patients can make payments using various methods such as credit/debit cards, e-wallets, and bank transfers. CERTIFY Pay encrypts sensitive data to ensure the security of patient and merchant payment information and provides real-time transaction confirmation.

Yes, CERTIFY Pay prioritizes the security of customer information and transactions. It uses encryption and tokenization technologies to safeguard sensitive data and complies with industry standards and regulations for data protection. Additionally, CERTIFY Pay employs fraud detection measures to prevent unauthorized access and transactions.

CERTIFY Pay supports various payment methods including credit/debit cards, bank transfers, and other local payment options depending on the region. The availability of payment methods may vary depending on the integration and location.

Yes, CERTIFY Pay supports recurring payments, making it suitable for practices that offer subscription-based services or recurring billing. Patients can set up recurring payments for services with ease, and merchants can manage and customize recurring payment schedules through the CERTIFY Pay merchant portal. Also, we support basic payment plans, which provide flexible installment options to accommodate different payment needs for both patients and merchants.

Funds settlement times may vary depending on the merchant’s bank and the payment method used. Generally, CERTIFY Pay processes transactions in real-time, and funds are typically settled within 1-3 business days. However, settlement times may be affected by factors such as weekends, holidays, and bank processing times.

Yes, CERTIFY Pay supports refunds for eligible transactions. Merchants can process refunds through the CERTIFY Pay merchant portal, and patients can receive refunds directly to their original payment method. Refunds are subject to the merchant’s refund policy and may take a few business days to be processed.

CERTIFY Pay may charge transaction fees or subscription fees depending on the merchant’s pricing plan. The specific fees and pricing details can be obtained from the CERTIFY Pay merchant portal or by contacting CERTIFY Pay customer support. Merchants should review and understand the fees associated with using CERTIFY Pay before integrating it into their online or mobile platform.

CERTIFY Pay provides customer support through various channels, such as email, chat, or phone, for merchants and customers. Merchants can access the CERTIFY Pay Merchant Services/portal (OMS) for documentation, guides, and FAQs. Additionally, CERTIFY Pay customer support team can assist with technical issues, payment inquiries, and other concerns related to using CERTIFY Pay.

CERTIFY Pay supports various payment methods including credit/debit cards, bank transfers, and other local payment options depending on the region. The availability of payment methods may vary depending on the integration and location.

What is the purpose of online payment?

Online payments exist to make transactions faster, easier, and more convenient for both consumers and businesses. They automate payment verification, reduce the need for manual processes, and allow customers to pay instantly without sending proof or waiting for confirmation.

CERTIFY Pay’s online payment is fast, safe, and provides opportunities for practices to be competitive and enhance their revenue opportunities. There are multiple and flexible options to make payments, allowing patients and merchants to choose the method that works best for them.

Credit cards use online security features like encryption and fraud monitoring to keep your patients and merchants accounts and personal information safe. CERTIFY Pay is protected against fraud by a multi-layered security cover.

There are several types of online payment methods, including credit cards, debit cards, bank transfers, and payment apps

What are payment links?
Payment links are secure, shareable URLs that allow customers to complete a payment online without needing a website or app.
CERTIFY Pay’s payment links can be shared anywhere your patients or customers already connect with you. Embed them in emails or invoices, place them as buttons on your website, or send them directly through SMS, chat, and social channels like Instagram or Twitter. They make it easy to collect payments instantly, no apps, no portals, just a simple click.

CERTIFY Pay payment links make it easy for practices to collect patient payments without any technical setup. Staff can send secure links through SMS or email, allowing patients to pay instantly from their own device. This speeds up collections, reduces front-desk workload, and delivers a smoother patient payment experience.

The payment links can be made time-limited or unlimited.
Payment links are backed with a secured payment gateway. All payment links that service providers generate are compliant with government norms regarding computer data security. The links are PCI DSS compliant.

Any practice that accepts payments from patients and merchants can benefit from using payments links, including: 

  • Primary care clinics 
  • Specialist practices (e.g., dermatology, cardiology, behavioral health) 
  • Outpatient diagnostic centers (labs, imaging) 
  • Dental practices 
  • Physical therapy and rehab clinics 
  • Urgent care and retail clinics 
  • Telemedicine or virtual care providers 
  • Ambulatory surgery centers (ASCs) 
  • Mental health practices 
  • Chiropractic and wellness clinics 
What is the purpose of payment flow?

A payment flow guides patients and merchants through completing their payment, whether online, on mobile, or in practice. It begins when a person chooses to make a payment and ends when the transaction is processed and confirmed securely. 

Smart payment flow matters for healthcare practices because it ensures every patient and merchant payment is processed in the fastest, most reliable, and most cost-efficient way, automatically.

With intelligent routing and real-time processing, practices can reduce failed transactions, lower administrative workload, and accelerate cash flow. It also creates a smoother, more dependable payment experience for patients and merchants, which improves satisfaction and increases the likelihood of on-time payments.

Self-Service Payment allows patients and merchants to make and receive payments independently, online, at a kiosk, or on their mobile device, without staff intervention.

A smooth, intuitive payment experience reduces patient frustration, increases likelihood of timely payments, lowers staff workload, and improves overall patient satisfaction.

How does a payment gateway keep information secure?

A payment gateway protects patient and merchant payment information by encrypting all data during transmission, ensuring that card or bank details cannot be intercepted. It uses secure protocols (like TLS), tokenization to replace sensitive data with unique tokens, and strict PCI-DSS compliance to prevent unauthorized access. These layers of security work together to keep every transaction safe from fraud or breaches.

Payment systems generally fall into a few major categories, including card payments (debit and credit), electronic funds transfer systems, direct debit/credit arrangements, online and mobile banking payments, and digital/e-commerce payment solutions.

CERTIFY Pay offers flexible, secure payment options that make healthcare transactions faster and more convenient for both patients and practices. Patients get simple, seamless ways to pay, while practices benefit from quicker collections, reduced manual work, and a more efficient payment workflow.

Credit and Debit Card payments are the most common payment type.

Immediate payment means prompt payment for goods and services in currency or check.

A credit card allows you to borrow money from a lender and make purchases with the borrowed funds, while a debit card deducts money directly from your bank account to make purchases.

What are the payment methods that CERTIFY Payments offers?

CERTIFY Pay offers varied payment methods such as Credit, Debit, ACH, EBT, Alternate Card Not Present (CNP), Cash, and Pay Wallets.

In a payment gateway, the technology is used by the merchants to authenticate and securely transfer the payment data between the various parties involved in the transaction process. Once the payment is approved or declined by the parties involved, the payment gateway sends back the relevant message to the merchant.
Credit and Debit card payments are the most used form of payment.

There isn’t a single “most secure” payment method, but options like credit cards, digital wallets, and ACH payments are considered highly secure because they use encryption, tokenization, and multi-factor authentication to protect sensitive information.

  1. Get Banking Alerts
  2. Use a secure network.
  3. Go Paperless
  4. Destroy old money cards.
  5. Beware of Phishing Scams
  6. Protect your computer and mobile devices.
To get started with payment hardware integration, you should first choose a trusted payment hardware provider and work with them to identify the specific hardware solutions that will best meet your business needs. From there, you can work with your payment processing software provider or hire an integration specialist to help connect your hardware with your existing systems.
What is a payment receipt?

A payment receipt is a document that serves as proof of payment made for a product or service. It contains details such as the date and time of the transaction, the payment method used, the amount paid, and information about the product or service purchased. Payment receipts are important for both practice, patients, and merchants as they provide evidence of the transaction and can be used for record-keeping and accounting purposes.

CERTIFY Pay Receipts is a feature that allows you to receive digital receipts of the payment made with CERTIFY Pay. These receipts are sent directly to your email or can be accessed through your CERTIFY Pay account.
When collecting payment, you can select the option to receive a digital receipt. The receipt will be sent to the email address associated with your account. You can also access your receipts through your CERTIFY Pay account by logging in and navigating to the receipts section.
Yes, CERTIFY Pay Receipts allows merchants to customize receipts with their business logo, branding, and additional information. This helps to promote their business and build brand recognition.
CERTIFY Pay receipts are stored indefinitely in your CERTIFY Pay account, allowing you to access and manage your receipts at any time. This provides a convenient way to organize and keep track of your purchases.

CERTIFY Pay is a digital payment solution, and therefore, only offers digital receipts. However, you can print out the digital receipts if you need a physical copy.

What are Hosted payment page?

Hosted Payment Pages are secure, provider-managed web pages where patients and merchants can complete their payments. Instead of handling sensitive data directly, practices redirect patients to these encrypted pages, ensuring a safer, compliant, and seamless payment experience. 

A hosted payment page enhances security, reduces compliance burden, and simplifies payments by directing patients and merchants to a secure, pre-built page, improving trust, minimizing errors, and streamlining collections for practices.

Key features of CERTIFY Pay hosted payment page include – remote payment management, personalized options, and support for a wide range of payment methods.
A hosted payment page can offer strong security features such as encryption, tokenization, PCI-DSS compliance, fraud detection tools, and secure authentication.

Merchants can begin by signing up for an account on the CERTIFY Pay website. Once registered, they can start accepting payments through the CERTIFY Pay Hosted payment gateway.

Easily collect payments by sharing personalized hosted payment pages and offering popular digital payment options like Apple Pay, Google Pay, and PayPal. Save costs by eliminating the need for a physical payment terminal.

What is an omnichannel payment platform?
A payment solution that allows businesses to accept payments through various channels such as online, mobile, in-person, and other emerging channels. And allowing them to pay for goods and services in the way that’s most convenient for them.

CERTIFY Pay Omnichannel payment gateway can help businesses:

  • Increase your revenue.
  • Making it easier for your patients and merchants to pay and receive payments for goods and services.
  • Improves customer experience by providing seamless payment experience across all channels.
  • Reduce the risk of fraud and chargebacks by using advanced security measures.

It works by integrating with various payment channels such as online, mobile, and in-person payment terminals. When a customer makes a payment, the payment gateway processes the payment and sends it to the appropriate payment processor for authorization. Once the payment is authorized, the payment gateway sends a confirmation message back to the merchant.

Any healthcare practice that collects payments across multiple touchpoints can benefit from an omnichannel payment gateway. This includes primary care clinics, specialty practices, dental and vision clinics, urgent care centers, outpatient facilities, therapy and wellness clinics, and multi-location or enterprise health systems.

When selecting an omnichannel payment gateway, you should look for features such as advanced security measures, support for multiple payment channels, integration with your existing payment systems, and the ability to provide detailed payment reports and analytics. Where CERTIFY Pay provides all the features mentioned above.

An omnichannel payment solution centralizes all payment methods and channels into one integrated system, giving practices a unified view of patient payments and revenue. This helps reduce manual work, improve payment accuracy, enhance patient convenience, and streamline collections across the entire practice ecosystem.

What is a Point of Sale?

A point of sale (POS) system encompasses hardware, software, and services that empower businesses to conduct transactions for goods and services. It functions in both physical and online settings, offering capabilities for managing inventory, tracking sales, and customizing features to meet specific business requirements.

CERTIFY Pay POS simplifies payments by providing an intuitive interface for quick payment processing, inventory tracking, and sales reporting. Our system offers various payment options, including credit/debit card transactions, mobile payments, and digital-wallet integrations, making transactions easier for both patients and providers.

CERTIFY Pay POS stands out due to its user-friendly design, speedy transaction processing, and robust security features. We focus on operations and provide practices with the tools they need to manage payment and patient data all in one place.
CERTIFY Pay POS is designed to be versatile and scalable, making it suitable for practices of all sizes. Whether you’re running a small boutique or a large retail chain, our system can be tailored to meet your specific needs.

Our POS system is compatible with various practice software solutions, allowing for easy integration with your existing systems.

Security is a top priority at CERTIFY Pay POS. We implement industry-standard encryption, tokenization, and comply with PCI DSS regulations to safeguard all transactional data. Regular security audits ensure that our systems remain impervious to threats.

What is a Virtual Terminal?
A virtual terminal payment is a method for processing credit or debit card transactions without physical card terminals. It utilizes a secure online interface, typically offered by payment service providers. Merchants can input customer payment details via phone, email, or fax. This enables merchants to accept card payments remotely, providing convenience for transactions when the customer is not physically present.

CERTIFY Pay distinguishes itself from other virtual terminals through its enhanced security measures, intuitive interface, and customizable features designed to cater to the unique requirements of practice.

CERTIFY Pay offers virtual terminals to various types of practices, ranging from small startups to large enterprises across diverse entities.

CERTIFY Pay’s virtual terminal accommodates various payment methods, such as credit cards, debit cards, and ACH (Automated Clearing House) bank transfers.

Advantages of using the CERTIFY Pay virtual terminal include:

  • Secure online transactions for practice and patients.
  • Versatile payment options, including credit cards, debit cards, and ACH bank transfers.
  • Customizable features to tailor the virtual terminal setup to specific practice needs.

Yes, CERTIFY Pay offers 24/7 comprehensive customer support services to assist practices with setting up and troubleshooting their virtual terminals.

What is the difference between same-day and on-demand settlements?

CERTIFY Pay provides you with various options for settlements based on your practice needs.

On-Demand Settlements

You can decide about the time when the customer should pay into your bank account. Settle within a few seconds the amount needed from the settlement balance.

Same-day settlement

This is important if you want your practice to have a consistent cash flow. CERTIFY Pay settles all your payments automatically.

The instant settlement feature allows you to settle your current balance in your bank account instantly 24/7 for a small fee.
Payment settlement involves collecting the funds for the amount recorded for an order. For Example, while using credit cards, the settlement process specifically involves contacting the payment system and collecting the required amount of funds against the credit card.
Instant payment gateway is an agile and scalable service that allows banks to offer payments to their clients, without the constraints of cost, compliance, and integration.
What does Billing Plan entail?
CERTIFY Pay Billing Plan encompasses comprehensive solutions for managing payments, generating receipts, and handling dues effectively within the billing management system.
CERTIFY Pay’s versatile billing solutions facilitate fast and accurate financial transactions through robust API integration, streamlining operations, boosting revenue, and enabling quick customer responses.
CERTIFY Pay Billing Management Solutions excel with customizable, automated billing models tailored to customer needs, providing flexibility for subscription and payment acceptance. Additionally, they optimize operations and offer robust reporting for enhanced efficiency.
CERTIFY Pay offers a range of billing options tailored to meet diverse practice needs, including revenue management, one-time billing, and customizable billing frequencies.

CERTIFY Pay offers enhanced security, cost-effectiveness, automatic updates of payment information, and fosters customer loyalty, benefiting diverse industry sectors.

CERTIFY Pay SnapPost simplifies operations and offers flexible credit and debit card payment options, ensuring a smooth payment process for businesses.

What is a payment reporting tool?
A payment reporting tool is like a digital assistant for businesses. It helps you keep track of all your transactions and money movements. It’s kind of like having a personal accountant, but in software form.
CERTIFY Pay gives you a clear picture of your practice’s financial health, showing you where your money is coming from and where it’s going. With customizable reports at your fingertips, you can spot trends, make smart decisions, and ultimately boost your bottom line. It’s like having a crystal ball for your finances!

CERTIFY Pay reporting tool stands out due to its user-friendly interface, customizable reports, and real-time insights tailored to meet the unique needs of practice.

Absolutely! CERTIFY Pay payment reporting tool is designed to work seamlessly with a wide range of payment methods, such as credit cards, debit cards, bank transfers, and digital wallets. CERTIFY Pay gathers data from these different sources and gives you a complete picture of your practice’s financial transactions.

With CERTIFY Pay, you can customize your view using search, filters, and personalized reports. Easily spot trends with simple charts and graphs. Review your activity over different timeframes and schedule, receive notifications, and export reports hassle-free.

CERTIFY Pay’s support team is available 24/7 to assist with any queries, issues, or customization needs related to reporting management, ensuring smooth operations and optimal utilization of the platform’s features.

What is SnapPost?

CERTIFY Pay SnapPost is versatile, customized, on-the-go payment software that provides tailored solutions for your point-of-sale needs. Its user-friendly interface ensures a smooth payment experience for all your business transactions.

CERTIFY Pay SnapPost benefits you by providing a dedicated standalone terminal with a versatile desktop application. Your businesses can easily accept tailored credit or debit card payments, aligning with your preferences, whether you’ve a physical card or not.

CERTIFY Pay standalone terminal accepts various methods, covering NFC, EMV, and Magstripe (such as Google Pay and Apple Pay), providing diverse options for your customers.

CERTIFY Pay SnapPost provides enhanced security features, including tokenization, ensuring secure and fast payment transactions, perfect for small businesses.

CERTIFY Pay SnapPost provides a secure and efficient gateway solution, offering enhanced security, versatile payment methods, and simplified customer billing plans for retailers and customers alike.

Yes, CERTIFY Pay SnapPost is designed for simplicity. Its user-friendly interface ensures a seamless payment process, making it effortless for merchants and customers to navigate and complete transactions swiftly.

How does CERTIFY Pay payment gateway benefit my business as a merchant?
CERTIFY Pay payment gateway offers a seamless and secure payment solution for your practice, allowing you to accept various payment methods such as credit cards, debit cards, and POS. With its robust features, you can streamline your payment processes, enhance payment experience, and increase your collection rate.

CERTIFY Pay merchant services benefit any healthcare practice that needs to collect payments efficiently and securely, including primary and specialty clinics, dental and vision practices, behavioral health providers, therapy and rehab centers, ambulatory care facilities, and multi-location group practices.

CERTIFY Pay takes data security seriously and implements industry-leading measures to protect patient and merchant payment information. Our payment gateway employs encryption technologies and adheres to strict PCI-DSS (Payment Card Industry Data Security Standard) compliance, ensuring that sensitive data is securely transmitted and stored.

Yes. CERTIFY Pay integrates easily with your existing patient portal, website, or digital tools. Its healthcare-friendly APIs allow smooth, secure payment workflows tailored to your practice’s needs.

Yes, CERTIFY Pay supports recurring payments and subscription billing. If your practice offers subscription-based services or wants to set up automated recurring payments for patients, CERTIFY Pay provides the necessary features and functionality to manage these payment arrangements easily. This allows you to streamline your billing processes and maintain a consistent revenue stream.

Absolutely! The CERTIFY Pay application is designed with simplicity in mind. Its user-friendly interface and intuitive navigation make it easy for merchants to navigate through the various features and functionalities. Additionally, CERTIFY Pay offers seamless integrations with popular platforms & in-house systems, making it straightforward to connect the application with your existing systems. Whether you’re a tech-savvy merchant or new to payment gateways, we ensures a smooth and hassle-free experience.

What is ISO in Payment Gateway?
ISO stands for Independent Sales Organization. ISOs are merchant service providers that work with one or more acquirers to resell payment processing technology and services.
In the world of merchant services, the acronym ISO stands for Independent Sales Organization, a third-party payment processing company that handles merchant accounts for a bank, payment processor, or large financial institution.
An ISO is a third-party payment processor. It handles merchant account setup and smooths payment acceptance for an ISV or SaaS platform. In contrast, payment facilitators offer sub-merchant accounts to their clients and process transactions.
An ISO is a company that markets acquiring services to merchants on behalf of an acquiring bank. An ISO is like an independent insurance agency.
In simple terms, a payment gateway is a network through which your customers transfer funds to you. Payment Gateways are very similar to the point-of-sale terminals used at most brick-and-mortar stores. When using a payment gateway, customers and businesses need to work together to make a transaction.

CERTIFY Pay omnichannel payment gateway platform helps ISOs maximize revenue and drive value while offering full flexibility and control.

What is an Agent, and how do I become one with CERTIFY Pay ?

An Agent is a sales partner who promotes and sells CERTIFY Pay payment processing solutions to merchants. To become an Agent with CERTIFY Pay, you can visit our website and fill out an application form, which will be reviewed by our team. If approved, you’ll receive access to our payment processing solutions and can start earning commissions on your sales.

A VAR (Value Added Reseller) is a sales partner who resells CERTIFY Pay payment processing solutions to other resellers. While Agents primarily work directly with merchants, VARs work with other sales partners to offer payment processing solutions to their clients. VARs also have access to specialized tools that help them manage their resellers and calculate commissions based on sales volume and other metrics.

CERTIFY Pay uses advanced VAR tools that take into account your resellers’ sales volume and other performance metrics to calculate commissions and payouts. Our system is designed to be accurate and transparent, allowing you to easily manage your resellers and ensure that they are being compensated fairly.

Yes, CERTIFY Pay offers a comprehensive reseller management system that allows you to view all your onboarded resellers and their transactions in one centralized location. This feature helps you keep track of your resellers’ performance and ensure that your commission payouts are accurate.

CERTIFY Pay offers a wide range of payment processing solutions, including credit card processing, ACH (Automated Clearing House) payments, mobile payments, and e-commerce payment solutions. As an Agent or VAR, you can choose the solutions that best fit your clients’ needs and offer them a seamless payment processing experience.

No, there is no limit to the number of resellers you can onboard with CERTIFY Pay as an Agent or VAR. We welcome sales partners of all sizes and are committed to helping you grow your business and expand your reseller network.

What is ISV?
An ISV (Independent Software Vendor) makes and sells software products that run on one or more computer hardware or operating systems.
Through an integrated payment processing system, ISV customers can generate invoices, accept online bank payments, and pay bills directly through the application. Payment processing solutions are constantly evolving to keep up with the transforming landscape of business and consumer needs.
An independent software vendor (ISV) can create applications and programs that can participate in a single sign-on environment.
  1. Application Development.
  2. Platform and Infrastructure.
  3. Data Management & Analytics.
  4. Business Applications.

CERTIFY Pay provides integrated payment solutions for software vendors. Our enablement platform lets you build innovative software solutions that can better monetize payments and retain customers longer.

An ISV can be sold directly to consumers (B2C) or to other businesses (B2B).
What is a Payment Facilitator?
Payment Facilitators are essentially mini-payment processors. They provide services to allow merchants to accept card-not-present (CNP) and card-present payments.
The Payment facilitator is the company that provides the infrastructure necessary for their sub-merchants to begin accepting Credit Card payments. They underwrite and onboard the sub-merchants and then provide them with the technology they need to process electronic payments and receive the funds from those payments.
The Financial Crimes Enforcement Network (FinCEN) of the US treasury department is one of the key governing bodies that oversee payment facilitator regulations.

CERTIFY Pay Payment Facilitator enablement platform seamlessly offers access to payment acceptance, increases recurring revenue, and improves reporting.

The difference between a Payment Processor and a Payment Gateway lies in the fact that the processor is the service facilitating the transaction, while the gateway is the communication channel responsible for securely transmitting the payment data to the payment processor and the card networks.
A Payment Gateway is a technology used by merchants to accept debit or credit card purchases from customers. The term includes not only the physical card reading devices found in retail stores but also the payment processing portals found in online stores.
What is CERTIFY Pay and how can it benefit my business as a Merchant Association member?

CERTIFY Pay is a comprehensive payment solution that offers a range of features tailored for businesses and merchants. As a Merchant Association member, CERTIFY Pay can help streamline your payment processes, enhance transaction security, and provide valuable insights for better financial management and decision making.

Joining a Merchant Association can offer numerous benefits to your business, including access to industry-specific resources, networking opportunities, advocacy for common interests, and potential cost savings through group purchasing or discounts on products and services.
Yes, Merchant Associations often cater to specific geographical areas or industries. Many associations welcome businesses from various industries or localities, so it’s worth checking if your business qualifies for membership.
The services and resources offered by Merchant Associations can vary, but commonly include educational workshops, networking events, access to industry experts, advocacy efforts, and opportunities for business promotion and exposure.

CERTIFY Pay takes payment security seriously and employs industry-leading encryption and data protection measures to safeguard transaction data. Our solution is compliant with PCI-DSS standards, ensuring that your members’ payment information is protected against unauthorized access or fraud.

CERTIFY Pay offers easy integration options, including APIs and plugins, to seamlessly integrate our payment solution into your association members’ existing business processes and systems. Our solution is designed to be user-friendly and can be customized to suit the unique needs of each business.

How does a payment gateway keep information secure?
Encrypting Data is the principal method for securing sensitive transaction data. The payment gateway will encrypt the data when entering the Card details at the checkout. The encryption will turn the data into another form, or code so that only people who have access to a secret key may have access to the information.

CERTIFY Pay gives the foremost value to the security of the customer’s data, hence we have implemented a wide variety of measures to keep control of misuse and fraud detection. Multi-factor authentication, Tokenization, Device detection, Lockout Mechanisms, Card Verification Value, Integrated Risk management, and Identity verification are some unique mechanisms followed by CERTIFY Pay to protect against Fraud and misrepresentation.

  1. Identity Theft
  2. Phishing
  3. Pagejacking
  4. Merchant identity fraud
  5. Friendly fraud
Credit Cards offer fraud liability protections that debit cards do not. Online purchases that are associated with Credit cards come with fewer risks.
Scammers use email or text messages to steal your passwords, account numbers, or social security numbers. They could easily access your email, bank, or other accounts on getting these details.

The benefits of using an AI-powered fraud detection system in a payment gateway include.

  • Real-time fraud prevention,
  • Reduced false positives,
  • Continuous learning and improvement,
What is PCI DSS compliance and why it is important?
PCI DSS (Payment Card Industry Data Security Standard) compliance is a set of security requirements designed to protect credit card data and prevent fraud. PCI DSS compliance applies to any organization that accepts credit or debit card payments, regardless of size or industry. It is important because it helps protect sensitive credit card information and prevent fraud. By complying with PCI DSS requirements, businesses can reduce the risk of data breaches and financial losses, protect their customers’ personal and financial information, and build trust with their customers.
PCI DSS data mainly protects two kinds of data, namely Cardholder information and sensitive authentication data. Cardholder data refers to information such as primary account numbers, cardholder names, card expiration dates, and service codes.
There are four levels, or tiers of PCI compliance, that merchants are organized under based on their card transaction volume (Credit, Debit, and Prepaid) over a 12-month period. If a merchant suffers a breach, that results in account data compromise, they may be escalated to a higher level of compliance.

CERTIFY Pay gives maximum value to the security of transactions and as such not only do we meet all the expectations of the industry regarding compliance, but we certainly exceed the same. We provide a safe and hassle-free business environment for our clients.

PCI DSS and related security standards are administered by the PCI Security Standards Council, which was founded by American Express, Discover Financial Services, JCB International, MasterCard Worldwide, and VISA Inc.
PCI compliance audits are done by qualified security assessors. These professionals look at point-of-sale systems and other parts of a business IT architecture to determine whether internal operations meet the standard for cardholder information security.
What are the benefits of using tokenization in payment processing?
Tokenization in payment processing offers several benefits, including increased security, compliance with data security regulations, simplified payment processing, seamless integration, and faster transaction processing.

Yes, tokenization in payment processing is highly secure. By replacing sensitive payment information with a token, the actual payment information is no longer stored or transmitted, reducing the risk of data breaches and payment information theft.

Tokenization in payment processing simplifies payment processing by replacing the need to store or transmit actual payment information. This can reduce the complexity and cost of payment processing for merchants and payment service providers.

To use tokenization in payment processing, organizations must comply with data security regulations such as the Payment Card Industry Data Security Standard (PCI DSS). CERTIFY Pay Tokenization system offers APIs and other integration options that make it easy for you to integrate tokenization into your existing payment systems while maintaining compliance with data security regulations.

Tokenization provides a secure and efficient way to handle payment information, which benefits merchants, suppliers, and customers by simplifying payment processing, enhancing security, and improving the customer experience.

CERTIFY Pay Tokenization can be used for many types of payment methods, including credit cards, debit cards, bank transfers, and mobile payments.

What is authentication in the context of payment solutions?
Authentication is the process of verifying the identity of a user or device attempting to access a payment solution or perform a transaction. This can include using passwords, biometric data, or other forms of identity verification.
Authentication is essential for ensuring the security of payment solutions and preventing unauthorized access or fraudulent transactions. Strong authentication measures can help protect sensitive data and build trust with customers.
Common authentication methods include passwords, PINs, Single Sign-On (SSO) and two-factor authentication (2FA), which requires users to provide two forms of identification.

2FA requires users to provide two forms of identification to access a payment solution or perform a transaction. For example, this could involve entering a password or PIN and then providing a fingerprint or answering a security question.

Businesses can implement strong authentication measures by using secure authentication methods such as 2FA or biometric data, conducting regular security assessments, and implementing employee training and awareness programs to ensure that everyone understands the importance of authentication and how to use it properly.

Tokenization is the process of replacing sensitive payment data, such as credit card numbers, with a unique token that has no value if stolen. Tokenization improves authentication in payment solutions by reducing the need for patients and merchants to enter their payment information directly into a payment solution. Instead, Patients can enter their payment information once and receive a token in return, which can then be used for future transactions. This reduces the risk of fraud and makes it easier to make payments securely and conveniently.

What is a payment gateway?
A payment gateway is a technology solution that allows businesses to securely accept and process credit card and other electronic payments from their customers. Payment gateways act as a mediator between the customer’s payment information and the payment processor or merchant bank.

Payment gateway integration involves connecting an organization’s payment processing system with the payment gateway provider’s system. This allows the organization to accept and process payments from patients and merchants using a variety of payment methods, such as credit cards, debit cards, and digital wallets.

Payment gateway integration can help organizations simplify their payment workflows, improve customer trust, and stay ahead of industry regulations. By integrating with a payment gateway provider, organizations can enjoy faster payment processing, enhanced security features, and increased revenue through improved customer experience.
When choosing a payment gateway provider, organizations should consider factors such as the provider’s security features, payment processing fees, and compatibility with the organization’s existing payment processing system. It’s also important to choose a provider that offers excellent customer support and reliability.
Common payment gateway integration challenges include technical complexity, compatibility issues with existing systems, and ensuring compliance with industry regulations such as PCI-DSS. It’s important to work with a payment gateway provider that offers comprehensive documentation and support to help overcome these challenges.
To ensure the security of payment gateway integration, organizations should work with a payment gateway provider that offers advanced security features such as tokenization and encryption. It’s also important to regularly monitor payment data and ensure compliance with industry regulations.
What is payment hardware integration?

Payment hardware integration is the process of connecting payment hardware, such as payment terminals or mobile payment devices, with your existing payment processing software and systems. This allows for a more streamlined and efficient payment processing experience for your customers.

Integrating your payment hardware can help to simplify your payment processing operations, improve customer satisfaction, and enhance the security of your payment data. By integrating your hardware, you can also access more advanced payment processing features and functionality, such as EMV and contactless payments.
There are many different types of payment hardware that can be integrated, including payment terminals, mobile payment devices, and POS systems. The specific hardware that can be integrated will depend on the payment processing software and systems that you are currently using.
Yes, payment hardware integration is typically very secure, especially when working with trusted payment hardware providers. Many payment hardware solutions include advanced security features, such as encryption and tokenization, to help protect sensitive payment data.
The amount of time it takes to integrate your payment hardware will depend on a variety of factors, including the complexity of your existing payment processing systems and the specific hardware you are looking to integrate. However, many integrations can be completed in just a few days.
To get started with payment hardware integration, you should first choose a trusted payment hardware provider and work with them to identify the specific hardware solutions that will best meet your business needs. From there, you can work with your payment processing software provider or hire an integration specialist to help connect your hardware with your existing systems.

We are committed to delivering innovative payment technology solutions that empower businesses to operate securely and efficiently. Our goal is to equip merchants with cutting-edge tools for managing, optimizing, and streamlining their payment processes.

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