Get Started

Credit Card Processing Tips and Tricks

4 min read

Visa Claims Resolution (VCR), Credit Card Processing Chargeback Process Transition

By David Harper on May 2, 2018 9:01:00 AM

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.

Continue Reading
4 min read

Credit Card Processing PCI Compliance in 12 Steps

By David Harper on Apr 30, 2018 11:08:00 AM

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.

Continue Reading
2 min read

Acumatica: How to Process Split Payments or Down Payments

By David Harper on Apr 27, 2018 1:03:00 PM

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.

Continue Reading
4 min read

9 Ways to Avoid PCI Compliance Fees

By David Harper on Apr 13, 2018 4:28:35 PM

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.

Continue Reading
2 min read

Canadian Payment Processing

By David Harper on Feb 21, 2018 7:58:19 PM

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:

Topics: ERP Payments
Continue Reading
3 min read

TLS 1.2. PCI Compliance in 2018!

By David Harper on Feb 21, 2018 7:19:34 PM

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.

Continue Reading
3 min read

PC Charge PCI Compliance: Are you at risk?

By David Harper on Dec 15, 2017 12:00:00 PM

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 

Continue Reading
2 min read

Mobile Credit Card Processing - Accept Payments Anywhere, Anytime

By David Harper on Dec 12, 2017 10:30:00 AM

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.

Continue Reading
3 min read

Virtual Terminal – Key Benefits and Features

By David Harper on Dec 7, 2017 10:00:00 AM

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.

New Call-to-action
Topics: ERP Payments
Continue Reading
3 min read

Canadian Merchant Accounts - What are my options?

By David Harper on Nov 16, 2017 10:00:00 AM

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

Topics: ERP Payments
Continue Reading