Credit & Debit Card Processing
Paytek offers competitive rates and fees to get you up and running quickly and efficiently, and our services are ideal for any retail establishment or other business in need of secure ecommerce solutions. Our statements are transparent and detailed.
Our processing systems allow merchants to:
- Accept payments from Visa, MasterCard, American Express, Discover, Carte Blanche, Diners Club and JCB credit cards and more.
- EBT (Electronic Benefits Transfer)
- The more ways customers can pay, the more opportunity there is for transactions to occur.
Online Reporting
We provide online reporting to businesses using our payment processing programs.
Loyalty Programs
Our platform allows businesses to customize an online portal and manage points, rewards and other incentive programs.
Websites
A strong web presence is important for businesses that operate both online and offline. Our services can seamlessly blend into your existing website.
Recurring Billing
We provide easy-to-use automated billing system for businesses that process subscriptions, membership fees or any other type of recurring transactions. This solution can decrease the man hours needed to manually enter billing information and essentially lower costs.
Invoicing
- Send invoices and collect payments straight from your computer.
- Send invoices via email or SMS text message directly from your Dashboard.
- Access cloud-based customer data including saved credit cards and custom tax and discount rates.
- We makes it easy to keep track of invoices and see who still needs to pay, right from your own Dashboard.
- Customize invoices with your own brand colors
- Search, and sort invoices by date, paid status, recipient, and more
- Resend invoice, manually mark as paid, or void an invoice
Next-Day Funding
Next-Day funding Receive funds the very next business day
- Late cut-off time
- Immediate access to ACH deposit
- Friendly, reliable customer service
- Our next day funding services allow you quicker access to your funds with no extra service fees.
- With later batch times and hassle-free processing, your needed funds are available the next day.
- Next day funding eliminates annoying wait times and the frustration that stems from them.
Same-Day Funding
In addition to Next-Day Funding, we also offer Same-Day Funding—a perfect option for small businesses and startups that need quick access to funds.
- With Same-Day Funding, daily settlement deposits are funded 24/7.
- When you sign up for Same-Day Funding, you’ll have peace of mind knowing that you can depend on a fast cash flow so you can pay overhead costs like inventory, payroll, and bills in a timely manner—no matter the day or time!
- The setup process for Same-Day Funding is seamless.
IVR Processing
IVR Payments
IVR payments allow consumers to make payments in a non-intrusive way, 24-hours-a-day.
Customers can make credit card or ACH payments without speaking to an agent, saving labor costs and providing payors with the ultimate in convenience
Payments are handled within a secure cloud and can be integrated with your IVR platforms.
Agent Assist
Agent Assist utilizes DTMF (Dual Tone Multi Frequency) masking technology, as well as Speech Recognition for customers who want to use their telephone keypad, to provide companies with a secure way of handling payments by phone without bringing their environments in scope of Payment Card Industry Data Security Standard (PCI DSS).
Digital Solution
provides a true omnichannel secure payment solution enabling your organization to take payments across any digital channel. Digital Solution enables your agents to provide secure payment options via digital engagement channels such as Webchat, WhatsApp, Social Media, Email and SMS.
ACH
PAYTEK allows customers to process single and recurring authorized ACH debit and credit transactions from the checking account of consumers or businesses.
Point-of-Sale Conversion
Accept and process checks electronically at the point-of-sale, just like a credit card. Our check reader or imager will connect to almost any standard credit card terminal.
Checks-by-Web
Merchants are provided the capability of accepting and processing checks over the web. The consumer is able to initiate a check payment on the merchant’s website or payment gateway.
Paytek API Integration Services
Custom Integration of Payment Gateway with POS System
- Paytek has a network of diverse API developers to meet any merchant’s custom POS needs.
- A gateway integration with a POS system enables customers to make purchases quickly and securely.
- All integrated payment gateways are according to PCI DSS and PA DSS standards.
Security PCI Compliance
Paytek can help get your PCI certification up to date
What is PCI DSS?
The Payment Card Industry Data Security Standard (PCI DSS) is a worldwide mandate from the PCI Security Standards Council of VISA®, Mastercard®, American Express®, Discover® Global Network, and JCB®.
PCI DSS was established to help organizations that process card payments prevent credit and debit card fraud through increased controls around data and its exposure to compromise.
The standard applies to all organizations that store, process, or pass cardholder information from any card. Keep in step with the latest card data security standards.
Everyday businesses like yours are encountering threats from criminals intent on obtaining customers’ credit and debit card details. Being PCI compliant, you protect your customers from losing valuable card data and safeguard yourself from possible legal issues and certain fines from the credit card companies.
Paytek can set you up with a certified PCI DSS Compliance Program:
- Compliance with PCI DSS is mandatory for ALL merchants who accept card payments
- PCI DSS applies to all payments accepted in person, on the phone and online
- Non-compliance with PCI DSS may lead to financial penalties
- Benefits for your business
- Reduce the risk of card fraud
- Avoid potential hefty penalties
- Get support from qualified security assessors.
- Benefits for your customers
- Ensure that your customers’ data is protected
- Customers can have confidence in your card business
High Risk Merchant Accounts
While many processors turn down “high risk” merchants, Paytek has a unique program for these merchants and a special processing platform to get the account approved.
A business is classified as a high risk merchant account when:
There is a statistically greater likelihood of chargebacks or fraudulent transactions associated with the industry.
Examples of high risk merchant accounts industries:
- Travel
- Digital Content
- Virtual Goods
- Social Networks
- Software
- Online Games
