The Sage Partner Team at APS Payments gathered recently for a Lunch Bites video to discuss the Sage ecosystem. The team shares what is new at APS Payments and what is on the horizon for our Sage community of partners and customers. Bringing us this conversation are Patricia Benitez, Sage 100 Channel Manager, Devon Lildhar, Sage 300 Channel Manager, and Kim Lombard, Sage X3 Channel Manager.

APS Payments provides simple and effective Sage payment integrations that reduces risk and increase cash flow. By integrating the APS Payments credit card processing solution with Sage ERP, your company will reduce complexity, streamline payment processing, and exceed customer expectations.

Watch the Sage Channel Lunch Bites Video

Our latest edition of Lunch Bites features DCKAP, an APS Payments partner that specializes in creating the interfaces between eCommerce and ERPs systems. They help businesses undertake B2B integration for multiple platforms like eCommerce, ERP, and CRM as well as automate business processes all in one place.  In this installment of Lunch Bites, I sat down with Karthik Chidambaram, Chief Executive Officer of DCKAP to discuss how manufacturers and distributors can streamline purchasing and payments processes.

In an effort to bring you continued industry insights in an easy to digest manner, we started a series called Lunch Bites - short industry specific conversations served up in the time it takes you to make a sandwich. In this installment of Lunch Bites, we sat down with Sarah-Jayne Martin from YayPay to discuss why YayPay chose APS Payments as their integrated payment processing partner, and how the two solutions together can help merchants address AR collection issues. 

The current situation with COVID-19 has led to many companies experiencing significant collection issues, bringing days sales outstanding (DSO) and payment method discussions to the forefront for many accounts receivable departments. Payments have evolved significantly over the past few years, and customers have come to expect payment options beyond dropping a check in the mail or providing credit card information over the phone. One way that smart companies can address both of these challenges is looking into an Automated Accounts Receivables Solution with integrated, omni-channel payments.

In an effort to bring you continued industry insights in an easy to digest manner, we started a series called Lunch Bites - short industry specific conversations served up in the time it takes you to make a sandwich. In this edition of Lunch Bites, we met with Simon Quinn, Director of Sales at CertiPro, to discuss the changing world of B2B eCommerce and tips to improve the customer expectations as sales shift between brick-and-mortar and online.

For many companies, selling online hasn’t been optional for a long time. The recent pandemic only accelerated the move to omni-channel sales for manufacturers and distributors. Using solutions that integrate with one another can help you streamline business processes and improve partner sales cycles, adding more value to your partner relationship.  

You know you made a great investment when you purchased Acumatica Cloud ERP, and here’s your chance to get the inside scoop on how that investment continues to pay dividends. Join us at the Acumatica 2021 R1 Virtual Launch Event on February 18, 2021 at 1 PM ET / 10 AM PT and learn how this latest installment of Acumatica Cloud ERP continues to bring value to your business.

Learn how Acumatica 2021 R1 adds even more value:

While the new normal left other companies scrambling to figure out how to work remotely, Acumatica already provides us the tools and access to information needed to work from anywhere at anytime.

In an effort to bring you continued industry insights in an easy to digest manner, we started a series called Lunch Bites - short industry specific conversations served up in the time it takes you to make a sandwich. This edition of Lunch Bites features Matt Shanahan, Chief Strategy Officer at Lockstep  discussing the changing world of accounts receivable and digital transformation in the marketplace. 

“Digital Transformation” is a bit of a buzzword lately. The pandemic has exposed cash traps in accounts receivable, particularly for companies doing business via traditional methods involving paper invoices and mailed checks. Digital transformation is all about eradicating the paper, and moving things to the web and email to collaborate with customers digitally. The goal of digital transformation in AR is to lower days sales outstanding (DSO).

In this edition of Lunch Bites, featuring Caroline Rua from V-Technologies, I sat down with Caroline to discuss trends we’ve been seeing in the marketplace around B2B shipping and remote work. Watch the video below to learn more, or read on for a summary of the discussion.

Is your eCommerce, Brick-and-Mortar, or B2B store prepared for the 2020 holiday season?

Customers and merchants in 2020 face a new, unprecedented environment. Nationwide shutdowns and work from home (WFH) operations have caused digital purchasing and payment methods to skyrocket.

This unique situation can serve as both a challenge and an opportunity for merchants, and gains made during the holiday months could help recoup profits lost during the shutdown earlier this year.

i-Tech Support, one of our first Acumatica partners was recently listed as a Bob Scott’s Top 100 VAR. To celebrate their accomplishment, I reached out to Mike Augello, CEO and Founder, i-Tech Support, to get his perspective on the Acumatica community, partnering with APS Payments, and how COVID-19 has impacted their clients. Mike has been a key partner for us in the Acumatica community and he had some great insights to share. Watch the video or check out an excerpt of the interview below to learn more about our Partner Driven organization!

Join us as we attend the Sage Intacct Advantage 2020 virtual event on October 20-21! Advantage is the premier event for Sage Intacct customers, partners, and community to come together and connect - all from the comfort of your home office! 

You may be thinking to yourself, why should I attend this event? Well, allow us to highlight why you and your team should.

Join us as we sponsor the Anytime Collect powered by Lockstep event, Connected 20 Accounting Summit! This must-attend event is a great opportunity to learn more about the future of AR and AP, moving customer and vendor relationships online, building reliable relationships and get to connect with your peers at the Mixology Happy Hour!

Join us online for CONNECTED 2020!

Date: Tuesday, September 15, 2020
Time: 1PM PST

Join us as we attend the Acumatica 2020 R2 launch on September 16^th, featuring the newest full-featured version of the award-winning cloud ERP product!

You may be thinking to yourself, why should I attend this event? Well allow us to highlight why you and your team should. 

B2B payments are going cashless because of COVID-19 and businesses are implementing new technologies to adapt to remote work.  Processing credit card transactions safely online is more important than ever due to this shift. Many businesses are upgrading from paper invoicing to online payment portals to improve cash flow and customer satisfaction.  

The APS Payments Sage 300 integration is designed to help clients save time and money with integrated payments, and with the added APS ClickToPay functionality, merchants can now get Sage 300 invoices paid faster with an online payment portal. 

APS Payments is excited to announce a new integration with Sage 500, enabling many more manufacturers and distributors to benefit from the full suite of benefits with the seamlessly integrated, omni-channel, and all-in-one payment solutions from APS Payments.

Your Sage 500 ERP solution is the backbone to your business. Today, more and more of your customers want you to accept payment via all sorts of credit cards. In this case, look no further than APS Payments to provide you with a simple and effective Sage 500 credit card processing integration that allows you to reduce risk, decrease fees and increase your company’s revenue.

With all the in-person conferences being canceled due to COVID-19 it can be hard to make meaningful connections right now and to learn and connect in the eCommerce community. Miva has transitioned its annual MivaCon eCommerce conference (postponed to 2021) to the MivaCon Digital Day 2020 on Tuesday, August 18, 2020.

Join us online for MivaCon Digital Day 2020!

Date: Tuesday, August 18, 2020

Time: 9:00 AM - 4:00 PM PST

Complimentary Webinar
Date: Thursday, July 16, 2020
Time:  11 AM PT / 2 PM ET

Join us to learn how a plug-n-play phone system makes it easy to automate sales and customer service processes.  In addition, manufacturing, distribution and retail companies will learn how to automate shipping and payment processes to invoice and get paid faster.

Complimentary Webinar
Date:  Thursday, July 9th, 2020
Time:  11 AM PT / 2 PM ET

In October 2019, APS Payments joined REPAY, and over the coming weeks you will start to see a refresh of our logo to include a new tagline that we are "a REPAY company."

As we transition we will be rebranding our websites, emails and social media profiles to the new APS Payments, a REPAY company, logo!

Complimentary Webinar
Date:  Thursday, May 21, 2020
Time:  11 AM PT / 2 PM ET

Join us to learn how to improve efficiencies, manage cash flow and take control of your inventory with business insights for Acumatica.  In addition, manufacturing, distribution and retail companies will learn how to automate shipping and payment processes.

With all the in-person conferences being canceled due to COVID-19 (Coronavirus) it can be hard to make meaningful connections right now and learn about commerce industry topics. DCKAP has transitioned its annual digital commerce conference to a virtual eSummit.  The DCKAP eSummit 2020 brings together multiple industry experts, including APS Payments, Big Commerce, Nexcess, Avalara, Gorgias, Dotdigital, and Content 4 Commerce. 

Join us online for DCKAP eSummit 2020!

Date: Tuesday, April 28, 2020

Time: 9:15 AM - 1:30 PM EST

Complimentary Webinar
Future-proof Sage 300 
Thursday, April 23, 2020
12pm PT / 3pm EST

More than ever before, businesses are testing the agility of their ERP systems. Accounting departments traditionally working in the office have shifted to remote work, and cash on-hand is becoming a priority like never before. Help ease the barriers of remote work by moving Sage 300 to the cloud and adding integrated payments with an online payment portal.

Join us for this upcoming webinar to learn how to get actionable sales related business insights from SAP Business One by organizing your essential data in one place.  In addition, manufacturing, distribution and retail companies will learn how to automate shipping and payment processes.

Complimentary Webinar
Mastering Collections as a Remote Worker
Tuesday, April 7, 2020
11am PT / 2pm EST

As accounting professionals, we’re all facing new challenges in the current economic environment.  It is unlike anything we’ve dealt with before. We can draw strength, inspiration, and insights from our peers. We would like to invite our entire community of collectors and accounts receivable professionals to band together and help each other out.

Complimentary Webinar
AP & AR: How Automation Helps Acumatica Users 
April 8, 2020
11am PT / 2pm ET

From payables to receivables, manually managing cash flow can cause a huge drain on resources.  Inefficient processes take your accounting team’s attention away from more productive tasks and lose your organization money on every invoice. 

Complimentary Webinar Series

Today’s buyers expect a seamless experience, whether they buy in-store, online from a webstore, over the phone, or on their mobile device. Ensuring a consistent customer experience can turn a one-time customer into one of your best, most loyal brand advocates. 

One Channel North America and APS Payments have teamed up a webinar series exclusively for Acumatica users to learn about tools that can help deliver a top notch customer experience.

The entire Magento community was excited to learn, network, and get inspired together for Adobe Summit and Magento Imagine 2020 in Las Vegas. Unfortunately, after evaluating the situation around COVID-19, aka “the coronavirus”, the conference organizers have decided to move this year’s summit online and cancel the live event. In addition to the now online Summit event, there are still MANY ways to engage with the Magento ecosystem and community outside of the Summit.

Firstly, if you have questions specifically related to the Summit, head over to the FAQ page at Adobe for more information.

Second, if you want to know how to get engaged in the online event, read here.

In this blog, we will provide you with three ways to maximize your ROI within the Magento ecosystem even though you can’t attend Adobe Summit in-person this year:

Complimentary Webinar
Date:  Thursday, March 26, 2020
Time:  11 AM PT / 2 PM ET

Join us as we present a webinar on how to automate order processing with an integrated Sage 100cloud eCommerce, field service, and payment processing solution!

Complimentary Webinar

Date: Thursday, March 26, 2020

Time: 12 PM PT / 3 PM ET 

See how Adagio Payables 9.3b, along with Telpay and APS Payments can help you supercharge your cash flow!

APS Payments is excited to showcase our new and improved SAP Business One integrated payment solution at the SMB Innovation Summit in Cancun, Mexico March 17-19, 2020. Find us in the expo to learn about our new features and functionality for SAP Business One. We recently launched our APS ClickToPay functionality for SAP Business One and we'd love to show you in person.  Stop by our booth for your chance to win $850 in our giveaway with Artsyl, Avalara, and Sana Commerce. Stop by the APS Payments booth when you are in Cancun to learn more.

How to Make the Best of Your Event

What is it: A multi-day event that brings together Sage Intacct, Sage People, and Sage X3 and Sage 200 franchise partners in one setting. 

Where is it: The Sage Partner Summit will take place in Orlando, Florida, USA at the Hyatt Regency Orlando. 

Stop by the APS Payments booth #S18 to learn how you could win $1,600 & learn about integrated payments for Sage!

We recently released our new and improved SAP Business One payment integration to help clients save time and money.  Today, we are excited to announce the latest enhancement to our payment processing solution for SAP Business One, APS ClickToPay.  Merchants can now take advantage of one of our most successful and most requested ERP features on the SAP Business One platform.  Formerly available only to our Acumatica and Sage 100 merchants, APS ClickToPay is now available as an added benefit to our merchants using SAP Business One.

Complimentary Webinar

Complimentary Webinar

Date: Tuesday, February 25, 2020

Time: 11 AM PT / 2 PM ET 

Are you ready for TPAC 2020?

Complimentary Webinar

Date: Friday, February 14, 2020

Time: 11 AM PT / 2 PM ET 

Leading manufacturers have found that digital tools can help simplify the manufacturing process from production order to product configuration to payment and turn raw data into a tool for strategic decisions.

Complimentary Webinar

Date:  Wednesday, January 22, 2020

Time:  11 AM PT / 2 PM ET

Join us as we present with CertiPro and StarShip on ways you can automate order processing with an integrated Sage 300cloud eCommerce, Shipping, and Payment Processing solution!

Acumatica Summit 2020 is going to be an exciting experience with an open environment for “all to explore new ideas and strategies” with Acumatica. With over 2000 attendees, and over 60 sessions, this year is all set to transform your company to thrive in the new digital economy.  APS Payments will be a Gold Sponsor and we will be giving away $2,500 with other acu-connect members.  This will be the sixth year APS Payments is sponsoring and we want to share our insight with you on how to make the most out of your attendance!  

Complimentary Webinar

Date: Thursday, January 16, 2020

Time: 11 AM PT / 2 PM ET 

Have you made your list of to-do's at Acumatica Summit to make the most of your time at the event and meet your conference goals?

Complimentary Webinar

Date: Tuesday, December 10, 2019

Time: 10:30 AM PT / 1:30 PM ET 

It is more important than ever to have top notch inventory control, ecommerce and payment solutions that are fully integrated with your small-business ERP system. See how Adagio Inventory 9.3A, along with Webtelligence from North49 and APS Payments can help you meet the needs of today’s buyer!

In October 2019, APS Payments joined REPAY - Realtime Electronic Payments!  REPAY provides integrated payment processing solutions to verticals that have specific transaction processing and technology needs. REPAY’s proprietary, integrated payment technology platform reduces the complexity and enhances the experience of electronic payments. 

APS Payments is excited to offer an even better payment experience, more advanced technology, and deeper integration capabilities for our customers. We believe this partnership will enable us to accelerate our technology initiatives, enhance the customer experience, and further advance the innovation of payment technology.

APS Payments is excited to announce that Hillary Heath has been promoted to Channel Account Manager to help roll out our new and improved SAP Business One payment integration.

Hillary’s prior experience as a SAP end-user inspired her to explore the ERP software industry, and made her the perfect candidate for this role. Previously, she was an Integrations Specialist at APS Payments. We know that her expertise with SAP and her dedication to customer service will allow her to exceed customer and partner expectations in this channel.

Complimentary Webinar

Date: Wednesday, November 20, 2019

Time: 11 AM PT / 2 PM ET 

Technology is shaping the future of business process, turning automation from a nice-to-have to a must-have to set yourself apart from the competition. 

Join us as we present with OptiProERP and StarShip on how you can automate planning, production, labor, shipping and payments inside SAP Business One. Optimize your manufacturing processes from sales order to shipping to payments and every step in between.

Complimentary Webinar

Date: Wednesday, November 13, 2019

Time: 11 AM PT / 2 PM ET 

2020 is your year to get the most out of your B2B eCommerce efforts. If you are already transacting online or thinking about interacting and transacting online with your customers in the next year, attend this webinar to learn 6 tips for Sage 100 users to optimize their B2B eCommerce efforts for maximum profit in 2020.

APS Payments is excited to roll out the most innovative SAP Business One payment integration at the Biz.ONE event in Indianapolis, October 28-30, 2019, and we'd love to show it to you in person!  APS Payments is your premier solution for processing payments with SAP Business One and we recently launched our new update to our SAP Business One integration. We will be a Silver Sponsor at the SAP Biz.ONE Conference next week from October 28-30th at the JW Marriott Indianapolis. We will be showcasing our new and improved integration as well as giving away $1250 CASH with other sponsors in the exhibitor hall. Schedule time to learn more at the event or stop by the APS Payments booth #17 when you are in Indianapolis!

How to Make the Best of Your Event

What is it: TPAC 2020 is coming, so be sure to save the date! APS Payments is excited to attend next year’s upcoming Third Party Advantage Conference 2020 in Richmond, B.C. again. This event will be showcasing development partner products that use Sage 300 and the Sage CRM. TPAC showcases every product that could be useful to finding a solution for your Sage 300 business. 

Where is it: TPAC 2020 will take place at the River Rock Hotel and Casino in Richmond, BC - Sunday March 1 - Tuesday March 3, 2020.

Complimentary Webinar

Date:  Wednesday, October 2, 2019

Time:  11 AM PT / 2 PM ET

Join us as we present with Vrakas/Blum (demonstrating JobOps - Engineer-to-Order) and StarShip to demonstrate how our integrated Sage 100cloud solutions can help you automate order processing, streamline engineer-to-order shipping, and simplify payment processing!

Many merchants are so focused on winning a sale — getting a customer to click “Buy” — that they don’t realize a transaction is not over when a browser has converted into a buyer. Not only are there multiple steps going on behind the scenes to successfully process a customer’s payment, but a sale is never truly won until the chargeback window has closed and the customer is satisfied with their purchase.

The more educated eCommerce retailers are about the payment process, the better prepared they will be to make sure every fraudulent order gets declined and every legitimate order gets approved. When this goes wrong, fraudulent orders turn into chargebacks, and legitimate orders can be falsely declined – both of which hurt the retailer’s revenue and aggravate the good customers.

Register to attend this upcoming webinar and learn how an integrated payment solution from APS Payments can help you save time and money. 

During this webinar we will walk through a customer success story and review the benefits customers experience after switching to an integrated payments solution from APS Payments for Acumatica.  

Softrak Systems, developers of Adagio Accounting, will be criss-crossing Canada this fall for their annual Open House tour. Adagio will be hosting academies and open houses in 10 Canadian cities and APS Payments could not be more excited to the EXCLUSIVE Adagio Fall Tour 2019 sponsor.  We are giving away a $150 CAD money jar at each city along the tour.  If you will be at the event, be sure to enter for your chance to win!

The 10 city tour is kicking off on Wednesday, September 30, 2019, in Montreal, Québec at Hotel Ruby Foo's. Following that, the Adagio crew will hit the road for 9 more exciting events throughout the month of October. See dates below for when they will be in your city!

How to Make the Best of Acumatica Roadshow

What is it: Acumatica is back on the road for an 11 city Acumatica R2 Launch. APS Payments is excited to sponsor and be a part of all 11 cities on the roadshow.  APS Payments could not be more thrilled about the new product being launched and the seamless functionality it will provide to Acumatica users. 

Where is it: The roadshow is kicking off on Wednesday, September 11, 2019, in Waltham, Massachusetts at The Westin Waltham Boston. Following that, Acumatica and participating sponsors will hit the road for 10 more exciting events through the end of October.

Complimentary Webinar
Date: Thursday, September 19, 2019
Time: 10:00 AM PT / 1 PM ET (1hr)

Is your business process supercharged and ready to accommodate the modern buyer? 

Register to attend this webinar on September 19th and learn how two tools for Sage can help you meet the needs of the modern buyer.

APS Payments is a Magento Technology Partner with a flexible and robust Magento eCommerce card processing integration.  We will be a Silver Sponsor at Meet Magento New York 2019.  The event will take place September 5th-6th at the Edison Hotel in New York City.   We will have a $500 giveaway co-sponsored with our friends at Trustpilot. Make sure to schedule time to stop by APS Payments booth #6 to learn how to enter, and learn more about the best integrated payment solutions for your eCommerce business. 

APS Payments is seamlessly integrated with Magento to lower your transaction costs and increase your security.  The Magento eCommerce credit card integration is simple and free with the APS Payments Extension for Magento 2.  Merchants who install this extension will have the ability to enable the APS Payment Gateway as a payment method. This payment method can be used on Magento’s front-end checkout page as well as within the Magento 2 Customer Profile screen to accept administration level payments.  Schedule a meeting with our team in NYC to learn more, if you will be at the event:

Complimentary Webinar

Date: Thursday, September 19, 2019

Time: 11:00 AM PT / 2 PM ET (1hr)

Join John Garcia at BatchMaster, Matt St. John at StarShip and Patty Benitez at APS Payments to learn how to reduce process manufacturing costs, automate industry mandated compliance, shipping and payments with an integrated manufacturing order processing solution for Sage 100cloud.

APS Payments has been honored again on the Inc. 5000 list, the most prestigious ranking of the nation’s fastest-growing private companies. The list represents a unique look at the most successful companies within the American economy’s most dynamic segment—its independent small businesses. Started in 1982, this prestigious list has become the hallmark of entrepreneurial success.  Read the full press release.  

Complimentary Webinar

Date: Thursday, August 29, 2019

Time: 11:00 AM PT / 2 PM ET (1hr)

Join Stacy Schultz with Vrakas/Blum Computer Consulting, Scott Pape at Fraxion (fka eRequester), and Patty Benitez from APS Payments to learn how to optimize the 3 P’s - Purchasing, Production Management, and Payments - using Sage 100cloud.

In June 2019, we learned that one of our fastest growing credit card processing ERP integration partners, Acumatica, is going to be acquired by EQT Partners, a leading investment firm with $45B of assets. In the Acumatica Press Release, this acquisition is “through an investment vehicle owned by the same holding company that holds IFS AB (Industrial and Financial Systems). To further reinforce this coalition, following the closing of the transaction Jonas Persson will serve as chairman for both companies. IFS, the global enterprise applications company, and Acumatica, the world’s fastest-growing Cloud ERP provider, will serve growth industries such as manufacturing, distribution, construction, service, energy and A&D, while competing directly with SAP, Oracle, Microsoft, Infor, and Sage among others.”

Plus see the "New" StarShip web user interface is in action!

Complimentary Webinar

Date: Thursday, July 18, 2019

Time: 11 AM PT / 2 PM ET 

Join Patty Benitez at APS Payments and Matt St. John at V-Technologies, LLC to learn how to eliminate double data entry into your eCommerce shopping carts everyday.

Coming soon to a screen near you: watch the live stream on B2C and B2B eCommerce payments with Jeff Kohl from APS Payments this Friday, June 28th at 3pm EST

Opening an eCommerce business or online store is exciting; even more exciting is accepting the very first payment. The world of eCommerce credit card processing can be difficult for new merchants to navigate and even eCommerce experts can use a refresher on the best payment processing for their needs. 

Luckily, expert eCommerce advice with TJ Gamble just got even better! Coming up later this week, the eCommerceaholic himself and master of how to “get more from your eCommerce store” will be cohosting a livestream on ecommerce website payment options, best practices, and the best online payment methods for businesses of all sizes. 

Complimentary Webinar

Date: Thursday, June 27, 2019

Time: 11:00 AM PT / 2 PM ET

The wait is over.  Sage Production Management is here.  Released on May 14^th, 2019, it provides a comprehensive range of features that are not only designed to replace the legacy Work Order but go above and beyond with more advanced manufacturing and production features.

Register to attend this webinar and learn how one Sage user leveraged an integrated payment solution from APS Payments to help save their business time and money.  Terry Wilhelm from K&K Interiors will share the challenges they ran into without an integrated solution, and the savings they've realized after switching to an integrated payment solution for Sage.  

APS Payments invites all developers to join us online at the Acumatica Cloud xRP Summit, the 3rd annual Acumatica Virtual Developer Conference, for this two half-day event held on Wednesday & Thursday, June 19th & 20th.

What it is: An awesome event to brush up on your knowledge of the xRP developer platform

Who it’s for: Developers, from seasoned wizards to first-timers who currently develop integrations and applications on the Acumatica platform or plan to start soon. Also welcome are any prospective partners and customers who want in a depth understanding into the powerful Acumatica solutions that can be built for your business.

What you’ll learn: Important insights into the Acumatica developer platform, including xRP Framework foundations, best practices, how to approach application design, removing outdated functions from your code, effective code management, practical reporting, multi-currency implementation, certification, modern developer practices, charting success with a developer roadmap, and much more.

Complimentary Webinar

Date:  Thursday, May 23, 2019

Time:  11 AM PT / 2 PM ET

Join us and our friends at CertiPro, Vrakas/Blum, and StarShip.You will learn about automated inventory cycle count, streamlined job management, and shipping with payment processing for Sage 100cloud!

Whether you are a property management group or internal accounting, you need to view real-time information for specific properties and locations, departments, and more.  Hotels need to synchronize the data between multiple systems including hotel stores, fitness centers, casinos and/or other entities. It is critical for hotel businesses to automate processes with Property Management Systems (PMS) that also integrate with payment software for hotels to get the best rates and increase efficiency.

Complimentary Webinar

Date: Thursday, May 16, 2019 

Time: 11 AM PT / 2 PM ET 

Join Jessica Gadbois, Pre-Sales Engineer for the Acumatica Manufacturing Edition along with YayPay and APS Payments to learn how to automate manufacturing, accounts receivable and payments.

Complimentary Webinar

Date:  Wednesday, May 8, 2019

Time:  11 AM PT / 2 PM ET

Join our friends at CertiPro, StarShip and APS Payments to learn how to automate order processing with an integrated Sage 300cloud eCommerce, Shipping and Payment Processing solution!

The APS Payments integrated credit card processing team attended the Arizona Small Business Association (ASBA) SynTech 2019 expo in Scottsdale, AZ on March 20, 2019. APS Payments is headquartered in Mesa, AZ and has international presence. This is the first year APS Payments has had a booth at the ASBA SynTech 2019 event and loved contributing to the expo’s mission to provide a day for small businesses to learn about technical business resources available in the Phoenix valley.

As the leading Sage 300 integrated payment processing solution, we are excited to be a Silver Sponsor at the upcoming Third Party Advantage Conference 2019. This TPAC conference is dedicated to showcasing third-party solutions for Sage 300. Collaborate and network with Sage 300 employees, customers, business partners, and development partners on Sunday, March 31 to Tuesday, April 2, 2019. The 17th annual TPAC will be held at the miraculously beautiful Sheraton on the Falls, Niagara Falls, Ontario.

If you are using Acumatica, there is a simple and secure way to automate billing and get paid faster. APS ClickToPay is a perfect solution for any company that wants to get paid faster.   Stop wasting time with manual based payment collection and automate this process with APS ClickToPay.

As we head into the new year, we reflect on our successes and share gratitude with our customers and partners who have  helped us along the way. Your business has truly been a gift. We are excited to announce that our American Payment Solutions (APS) and North American Payment Solutions (NAPS) brands have a fresh new look in 2019. The brand change is one part of a  transition that we are making to combine our two companies into one name for our global brand. APS and NAPS have been combined into one easily recognizable brand - APS Payments.

APS will Pay the Cancellation Fees for Sage 100 Credit Card Processing Up to $500.

If you are like most Sage 100 merchants we talk to, you may feel like you are doomed to pay high credit card processing fees.  You might not always keep a close eye on your merchant statements because they are designed to be confusing. That is why our experts at APS Payments (APS) are eager to help with a free merchant statement analysis.  We will show you where you are paying too much, go through every line, and carefully explain every fee. You will see exactly how much you can expect to save by switching to our service. We are so confident that you will benefit from our APS service that we promise to pay up to $500* to help cover your cancellation fees.  

Just this summer, the PCI Security Standards Council (PCI SSC) released a new Data Security Essentials Evaluation Tool that helps small merchants assess security practices and evaluate how they are addressing potential security risks. This tool is an easy-to-use guide made to help you assess your PCI DSS compliance evaluation and security policy for 2018 and 2019. The tool walks you through a series of questions based on your specific method of collecting payments and individual payment environment. The purpose of the tool is to inform you of any security breaches made possible by the way that you process and store credit card data. Once you answer the series of questions, you will have clear and workable suggestions for data security improvements for improved PCI DSS compliance.

$7500 CASH! American Payment Solutions (APS), the leading integrated Acumatica payment processing solution and sponsor of 2018 Acumatica R2 Roadshows, Partners with Multiple Industry Leaders, Gives Attendees Multiple Opportunities for Cash prizes

Service related companies may have a service contract, whereby a customer pays for recurring services.  If you are using Sage 100cloud there is an easy way to set-up repetitive invoice entry for your customers depending on the billing cycle (weekly, monthly, quarterly etc.)  Sage 100cloud users have the option of collecting payment for ALL invoices with Sage 100 ClickToPay Payment Processing.

4 key ways to save money and time with the only EMV Acumatica credit card processing solution! 

APS Payments is proud to announce the first and only Level 3 and EMV integrated credit card processing solution for Acumatica. The EMV embedded chip technology is for Acumatica customers who need to process face-to-face or credit card present over the counter transactions. Processing card-present EMV transactions is now fully integrated with Acumatica. As a new add-on to our existing Acumatica payments integration, now you can accept EMV transactions using the insert card with chip rather than swipe with magnetic stripe. You can also process transactions using Apple Pay, Samsung Pay, & Contactless quickly and securely through your Acumatica system.

Multi-Currency payment processing for an integrated ERP solution can be hard to come by, leaving your organization to process credit cards outside of the ERP. If you are a Canadian or U.S. company with subsidiaries on either side of the border, then it is likely that you need integrated payment solutions to maximize your efficiency.  

 Sage Sessions New York Recap and More…

It’s always incredible to experience the power of networking when you have a room full of Sage partners and customers! In July, American Payment Solutions (APS) is proud to sponsor another Sage Sessions Sage Community Happy Hour and be a part of the energy.   This Happy Hour event is independent from Sage Sessions.  We’ve sponsored these events in the past and it’s great to share hosting this event with our treasured customers and partners. 

Payment system brands are offering strong incentives in return for credit card payments. This makes credit cards a preferred way of making payments.  If you are in business today you probably accept credit card payments.  While it is relatively easy to get started accepting credit cards, it's not as easy to get the lowest rate and maintain PCI compliance.  There are 5 basic items to look for in a payment system provider.

5 Ways to Save and Get Paid Faster With Sage 100cloud Integrated Payments

Accepting credit cards is an essential part of doing business.  The trick is to get the lowest credit card processing rate possible and make it as easy as possible for the customer to pay.  Here are three ways to save money and get paid faster with Sage 100cloud integrated payments:

These days most consumers feel confident using credit cards online through e-commerce shopping carts and transacting personal data with businesses. Since businesses are entrusted with consumer confidence and personal data, it’s vital to protect this data from cyber-attacks. When it comes to credit card processing, it requires constant oversight to protect their customer data and avoid becoming victimized by persistent criminals. This article is to inform you about why you need to migrate from SSL and upgrade to TLS v1.2 or higher for secure and compliant credit card payment processing.  

Integrated Acumatica level 3 automation makes your job easier and can reduce interchange rates

Acumatica users who process credit cards may be missing out on an easier way to do their job that actually saves the company money. With Acumatica credit card processing from APS Payments, you benefit from automation that makes your job easier and can lead to lower interchange rates. Here’s how:

Clouds and Subscription: Impact on Your Business Model

We all know the cloud has become one of the greatest disruptors in our business world today, with large enterprise technology companies reporting substantial profit increases driven by cloud operations, and smaller businesses feeling the impact of cloud computing on everything from supply chain management to pricing and sales models.  Business models, hardware sales, and workflows are all shifting considerably to the point where many existing rules of the tech business are no longer relevant. The trend is most noticeable in the shift in tech business models away from hardware and proprietary software sales models, and toward subscription-based revenue models, where users pay for the right to use technology, but don’t ever actually own it.

Use Sage 100 level 3 credit card processing when accepting credit card payments to significantly reduce processing fees.

It's easy to accept electronic payments, it's more challenging to reduce fees.  Our team at APS works diligently to get you the lowest credit card processing rates. We offer integrated Sage 100 Level 3 credit card processing in addition to our other level 3 ERP integrations. Our Sage 100 PCI-compliant security solutions feature point-to-point encryption (P2PE), tokenization, and our APSPAYS Vault, eliminating card data that typically would be stored on a local server. 

We also walk our merchants through the PCI Compliance Self-Assessment Questionnaire (SAQ), eliminating the Non-PCI Compliance Fee most merchants pay every month. 

 7 Growing Credit Card Processing Trends Transforming the Payments Industry 

1. In-store mobile payments are expected to overtake credit cards and grow from $75 billion to $503 billion in 2020
2. The top mobile wallets used at small and medium businesses are Apple Pay (16.6%), Google Wallet (516.0%), Android Pay (%11.3%), and Samsung Pay (8.2%).
3. The top 3 payment methods of online shoppers are credit cards (42%), electronic payment (39%), and debit cards (28%).
4. There will be 27.7 million mPOS devices in circulation in the U.S. by 2021, an increase from 3.2. million in 2014.
5. Over the next 5 years, blockchain technology is expected to reduce the costs of accounting reconciliation by 70% and compliance costs by 30-50%.
6. Enhanced customer experience is the future of payments, as more than 60% of Millennial and Gen Z consumers are willing to share their bank account credentials with third parties.
7. Biometric authentication such as fingerprint ID and facial recognition will be used in more than 18 billion transactions by 2021.

Source:  http://paymentsjournal.com/7-trends-for-the-future-of-payment-processing/.

Our Sage 100 credit card processing integrations team works diligently to help keep our merchants’ data safe. For Sage 100 merchant processors, this means we need to ensure all our customers are following the PCI-DSS Regulations. On June 30^th 2018, TLS 1.0, SSL V3 will no longer be a PCI approved method of running transactions. To maintain PCI Compliance, payment processors and gateway providers are removing security certificates, which will disable older versions of Sage 100 legacy software using this legacy encryption method. This means processing this way will not be considered PCI Compliant, and all transactions will stop working eventually.

According to posts on the internet and information gleaned from our Channel Partner Network it would appear that on May 2^nd, 2018 Sage 100 versions 4.5 and prior, formerly MAS 90 and MAS 200, could no longer process credit cards through Paya, formerly, Sage Payment Solutions.  Most companies on these versions of Sage 100 mentioned they had a processing blackout for over 24 hours, some even longer.  It is currently unclear whether the companies using these versions have abruptly been forced to stop processing or whether they will be forced to stop processing as of June 30, 2018 the last day the card brands will allow transactions to flow on any TLS lower than TLS 1.2.   

There are a few main types of credit card processing rates with their own advantages and disadvantages. There are flat rates, tiered pricing rates, interchange plus rates, Level 1, Level 2 and Level 3 processing rates. 

Read this article before switching merchant service providers.

Switching merchant services providers may seem like a hassle if you are switching to save money it’s worth it and your new provider should make it as painless as possible.  However, there a few important items to consider when making the switch.  Credit card processing is a commodity, companies usually switch for a few main reasons; to get better rates, enhanced integration, superior support and/or to ensure PCI compliance. 

New research from Kaspersky Lab shows that the average cost to small-to-medium sizes businesses in the United States and Canada has reached record highs.

The company found that data breaches now exceed $140,000 for SMBs (up 36% from 2017). Most of the cost comes from the need to quickly upgrade infrastructure and software, but there are hefty fines if the data that was compromised included credit card data. For enterprise companies, the costs are even greater, with the average data breach cost being $1.75 million on average.

Sage 100 users now have the ability to get invoices paid almost as fast as their invoices are printed. It’s like adding a 24 hour a day collection agent to your staff. Customers demand convenience especially when it comes to paying for your products and services.  ClickToPay is designed to help companies get paid faster for the products and services they offer.  ClickToPay is a simple and secure credit card processing payment feature enabling your customers to pay invoices with the click of a button.  Invoices are paid and processed online, anytime.  It is super easy to set up in Sage 100 and also easy for your customers to use.  Sage 100 users can rest assured that this automated process is PCI compliant and your customers information is secure. 

If you are a Sage 100 end user, you’ve probably learned that card present transactions aren’t the easiest payments to process through your ERP. For years, USB Swipers have been the only way to process transactions in a card present environment, unless you want to purchase a full-scale point of sale, which can be very costly in the ERP space. USB Swipers do not have the ability to process transactions using the EMV-embedded chips, which have been a standard since 2016 in the USA.

Credit Card Processing Chargeback Process to Transition from Litigation Based to Liability Assignment Based Model 

If you understand that “change is the only constant in life,” then it’s no surprise Visa introduced the new Visa Claims Resolution (VCR) on April 15, 2018 to simplify the credit card processing chargeback process.  In business, change is often painful but required to adapt to the rising cost of doing business.  Merchants are now figuring out how to adjust to this recent change that Visa made to the rules.  We hope this blog helps assist you in your transition to the new rules in handling Visa credit card processing chargeback disputes and the new time-frames allowed to process those disputes.

Credit Card Processing PCI Compliance:  What can you do to protect cardholder data and meet security standards?

There is no easier way to become PCI Compliant than working with the experts at APS Payments.  Back in the old days, criminals would rob banks and trains full of cold hard cash.  These days, criminals try to steal credit and payment card data from exposed networks among other modern-day tactics that leave companies and card holders vulnerable.  They are constantly searching for victims.  Thankfully, the Payment Card Industry Data Security Standard (PCI DSS) was developed in accordance to credit card processing PCI Compliance standards with several layers of protection against theft. Here are 12 steps you can take to protect your cardholder data and facilitate the broad adoption of consistent data security measures on a global scale.

How to Make Down Payments or Split Payments with Acumatica

Processing a partial down payment or splitting a bill among several credit cards on an order may seem like a hassle if you don’t do it every day. If you’re in the business of making it convenient for your customers to do business with you, then you’ll most likely encounter one or both of these requests often.  In fact, one of the most popular questions our Acumatica integrated payments customers ask is, “How do I apply a down payment or a split payment to an Acumatica sales order?’  Click below to watch a video with step by step instructions for processing split payments and down payments.

Hidden PCI Compliance Fees:  Is your company at risk?

Have you noticed any PCI compliance fees on your merchant statements? Unexpected and hidden fees are a risk for any business processing credit cards and there are ways to eliminate or reduce them with a little extra diligence. If you’ve been processing credit cards for the last few months or years, the topic PCI compliance has probably surfaced. Credit card processing statements are already confusing and many merchants aren’t sure how to pass the grade with PCI compliance.

With so many payment processors, it can be tough to find the one that best suits your Canadian merchant account business before you make the switch. However, it’s vital to make sure that your payment processor aligns with your business needs. Here are several reasons to consider using North American Payment Solutions for your Canadian payment processing needs:

Our team works diligently to help keep our merchants’ data safe. For merchant processors, this means we need to ensure all our customers are following the PCI-DSS Regulations.

PCI compliance security standards are technical and operational requirements set by the PCI Security Standards Council (PCI SSC) to protect cardholder data. The standards apply to all entities that store, process or transmit cardholder data – with guidance for software developers and manufacturers of applications and devices used in those transactions. The Council is responsible for managing the security standards, while compliance with the PCI set of standards is enforced by the founding members of the Council, American Express, Discover Financial Services, JCB International, MasterCard Worldwide and Visa Inc.

PC Charge has now been unsupported for over 2 years, and yet certain companies have still been using PC Charge to process cards through their accounting software. On April 6th, 2015, Verifone announced they will no longer support their credit card application PC Charge. Many companies have continued to use this software, since they have heavily customized their ERP system. Newer versions of ERPs and payment integrations have better security features and protocols (Hint: APS!) that are PCI Compliant.

PC Charge, a server-based credit card processing middleware, is installed on a business’ local server to process credit card and store information on-site. Even though PC Charge has stopped working for most merchants, several companies have found a way to piece their systems together to keep it running. This, however, will likely come to an end in 2018. PCI 

Whether you need the ability to process payments in the field, at a tradeshow, or on the sales floor, with American Payment Solutions mobile credit card processing solutions, you can accept payments anywhere using your Android and iOS devices.

If you are accepting credit cards in a retail environment only, you are probably very familiar with credit card terminals or point of sale systems. If you are accepting credit card payments in a non-retail environment (over the phone primarily), you can either process transactions through your physical credit card terminal, or through an online virtual terminal. If you want additional features, like saving credit cards on file (using tokenization, of course), sending emailed transaction receipts, or qualifying for Level 2 and Level 3 interchange rates on business-to-business or business-to-government transactions, a virtual terminal is the way to go.

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. 

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.

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.

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.

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.

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.

Secure Acumatica Credit Card Processing for eCommerce Customers

Consumers today are more demanding than ever before. For merchants to compete online it is important to offer a secure, convenient, intuitive, online shopping experience.  It is equally important for the businesses taking those orders to automate the process with a tightly integrated solution to avoid human error and duplicate data entry.  Acumatica is the fastest growing Cloud ERP platform available today.  Kensium, is a leading Acumatica eCommerce certified integration partner.  American Payment Solutions is a leading Acumatica certified credit card processing integration partner.  

 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. 

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

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]

^{PCI Compliance Requirements}

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

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.

Sage 300: How to Reduce Canadian Merchant Account Fees 

Canada is a great place to grow your business.  The federal government offers start-up facilities and various programs to nurture the growth of business. Despite the governments help, small and mid sized businesses face many challenges to keep their business afloat.  For example, the fees associated with a Canadian merchant account can quickly add up for businesses processing credit card transactions.

What is the difference between Sage Virtual Terminal and APSPays?  

The term "Virtual Terminal" is used to refer to web interfaces for processing card-not-present transactions. Virtual terminals offer the ability to make "card-not-present payments." Virtual terminals allow merchants or customers to enter credit card payment information online or via a mobile device to complete payments. Virtual terminals are the  ideal solution for real estate agents, professional services, online payments and other industries. 

You might be surprised how quickly Sage credit card processing fees add up.  Simple credit card processing mistakes can lead to higher credit card processing fees.  Setting up your virtual terminal accounts properly can prevent you from providing incorrect business information that results in higher processing fees.  If you are using Sage Payment Solutions and Sage Virtual Terminal you have options.  American Payment Solutions also integrates with all Sage ERP systems and offers the same features at a lower cost.  

You may not have heard that Sage sold Sage Payment Solutions on June 2. The buyer, GTCR LLC, is a Chicago-based firm specializing in driving growth through acquisitions. While GTCR is likely to change Sage Payment Solutions once they control it, we’re not sure what those changes will look like.

After paying merchant processing fees, how much of each transaction do you actually get to keep? How much of a difference would it make to your income if you could lower your merchant processing fees by as much as 1.50%?

Now you can. Today’s handy guide helps you discover how Level 3 Processing increases your profits, without any extra work.

 If you have 1 minute, watch the video.

This past month, our company announced our new integration for payment processing within AccountMate. This integration has added functionality and several key features that will increase the speed in which you process payments, automate the process, eliminate compliance issues, and drastically lower costs from the Card Brands.

It was a privilege to attend the Realized Financial Solutions Group Conference this year; the event was held at the Double Tree by Hilton in Bristol Connecticut, with well over 40 people attending this year’s event.

American Payment Solutions will be an exhibitor this year at the 22^nd Annual Lodging Conference. This marks the sixth year in a row that we will be exhibiting. Many things have changed over the last half-dozen years or so, but

Sitting in the ballroom at the Sheraton Boston Hotel, many of us wondered what Acumatica could possibly add to their already forward-thinking ERP.  Tim Rodman, a self-proclaimed “recovering” CPA and Acumatica aficionado, gave us some great insight into one of the major updates to the 6.0 release: the addition of pivot tables (You can read more about his thoughts on pivot tables here).

Acumatica is creating a lot of buzz these days. With their recent announcement of Acumatica 6.0, and their ongoing growth in the SMB space, they continue to provide a solution that meets the agility and flexibility required by their resellers, end-users and prospects.

Partnering with a company that offers complimentary or value added services for your clientele is not a new concept.  From the beginning, businesses have been looking for a way to give themselves an advantage over their competition.  Finding a partner is easy.  Finding the right partner is difficult.  Finding the right merchant services company to partner with can be a nightmare!

Are you interested in saving time and money when it comes to your credit card processing solution for Sage 300? 

Looking for more flexible rates and clearer transparency in your monthly merchant statements? 

Join us on February 24^th at 2pm ET to see this brand new integration for Sage 300 which can provide everything you are looking for! 

As a small to mid-sized business, accepting credit cards is paramount to your company success.  Behind the scenes of accepting credit cards and keeping track of your inventory and/or services, you need a variety of solutions to run your business.  A key aspect of accepting credit cards is selecting which credit card processing solution you should use. 

Credit card processing fees can be difficult to decipher if you don’t have a consultant to help.  Most merchants pay anywhere from 1.90%-4.30% depending on what cards they accept, whether the card is accepted via swipe, keyed-in, or eCommerce, and how much profit margin the processor has built in. Since processing fees have become difficult for most business owners to understand, flat rate processing fees have gained popularity in recent years. 

As a reseller or business advisor, you very likely have clients in the retail and wholesale manufacturing space who, as part of their everyday business processes, accept credit cards.  Each month merchants receive their statements showing numerous fees and one large payment deduction. Many of these merchants admit to being confused over their monthly statements, and even more simply don’t take the time to review them.  If this describes you or your clients you could be wasting a lot of money each month. 

Repost from Avalara.com 

Internet and mobile sales continue to grow in popularity among shoppers and profitability for retailers. Last year, online sales in the U.S. topped $307 billion. The lucrative internet marketplace has also led to more online crime. Recent cyberattacks on U.S. businesses, which affected such titans of industry as Target, JPMorgan Chase, Home Depot and Premera, has Congress scrambling to craft laws to protect businesses and consumers against data breaches. And in 2014, businesses lost an estimated $3.5 trillion globally from retail fraud. Online sellers took the biggest hit, according to LexisNexis, primarily due to losses from card-not-present (CNP) credit card processing transactions. 

To cut down on card fraud, banks and credit card issuers are

PCCharge has been providing a much needed service for ERP End-Users throughout the greater part of a decade, offering an on-site integrated credit card processing solution. The problem however is their solution is extremely vulnerable to hackers. The credit card data is not tokenized or stored in a vault and once a hacker gets access to the local server. Well at that point all the data is readily available for the taking.