SAP Business One Credit Card Processing in a Batch vs. Real Time

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.

SAP Business One credit card processing in a batch involves the exchange of information at the time of the transaction 

and then again when clearing the settlement transaction later through another message.  The initial exchange of information from the daily transactions are collected in a batch and then at the end of the determined period of time (usually at the end of the day) the batch is sent to the processor as part of the end-of-day processing.  When a credit card is swiped or entered into SAP Business One via an online store or gateway the merchant's authorization codes are stored and at the end of the day or processing period all the information is sent and processed in one batch.  Batch processing is a lot 

easier and less resource intensive than real time processing every transaction as it occurs. Batch processing is more convenient and less labor intensive because the merchant doesn't spend time on individual transaction processing.  The vendor isn't charged multiple fees for the same service throughout the day, the vendor simply sends one batch and avoids paying for single transactions throughout the day.

American Payment Solutions is sponsoring the Biz.one conference October 23-25, 2017 in Orange County, CA and will be demonstrating the following SAP Business One integrated credit card processing functionality:

1. Multi-Currency on a single database.
2. Automatic percentage mark-up at authorization to cover shipping.
3. Free Setup and Activation - No upfront or ongoing software costs
4. Level 3 Processing native to our integration, which reduces interchange rates on corporate credit cards and government credit cards. Level 3 processing can help save upwards of 70% when compared to previous processing costs.
5. 12-hour funding: if you process payments by 9:00PM EST, the funds will be available by 8:00AM EST the next morning.
6. American Express OptBlue program is available, which offers lower rates and 12-hour funding.
7. Free PCI Compliance help.

American Payment Solutions is offering a special encore webinar presentation after the Biz.One Conference on November 15th at 11 AM PT / 2 PM ET where APS will review all bullet points above and demonstrate “4 Steps to Help Save Up to 43% on Credit Card Processing Fees,” including PCI-DSS compliance assistance at no additional cost, some of the lowest American Express fees in the industry,next day funding, and Level 3 integrated rates. 

American Payment Solutions offers SAP Business One customers a PCI compliant integrated credit card processing solution.  Take the worry out of creating and maintaining your own credit card processing system.  Call American Payment Solutions at 888-685-1900 or email Clint Gillman at cgillman@apsmerchants.com to learn how to cut costs and benefit from working with APS, including the following benefits:

1. Convenient 24 hour access to payment processing and reporting
2. Automated recurring billing
3. Improved cash flow
4. Fraud detection and prevention (volume thresholds, risk parameters)
5. Reduce invoicing costs 
6. No additional licensing fees
7. Virtual Terminals (no integration needed, no software to install, simply use your web browser to securely log in to process transactions)
8. Credit card tokenization for secure access to future customer transactions
9. Real-time Payment Gateway 
10. Level 3 supported gateway for US accounts, (significant savings for business to government or business to business transactions)
11. Batch processing when real time approvals are not required 
12. PCI-DSS compliance assistance at no additional cost
13. Some of the lowest American Express fees in the entire industry!
14. Next Day Funding including American Express making reconciliation process easier