MicroBiz Cloud Integrated Payments Partners
Save time and be more secure with semi-integrated payment processing with MicroBiz Cloud. We offer the following preferred semi-integrated payment options. Please call our sales department to discuss payment processing options with MicroBiz POS software.
WorldPay Integrated Payments
We have a partnership with WorldPay, one of the largest core payment processors in the US, for integrated EMV payment processing with MicroBiz Cloud. MicroBiz supports integrated EMV compliant integrated payments with WorldPay using Ingenico terminals. To learn more, click here.
For shooting sports retailers, we have a partnership with Gearfire Payments, a payment provider which offers credit card processing with no firearms restrictions. MicroBiz supports integrated EMV compliant integrated payments with Gearfire using Ingenico terminals. To learn more, click here.
Preferred Partner for Medical Scrubs Retailers
For medical uniform retailer, we have a partnership with Chosen Payments. Chosen Payments is a Los Angeles-based payments and business consultant for merchants nationwide that accept electronic payments. Note: MicroBiz supports integrated EMV compliant integrated payments with Chosen Payments using Dejavoo terminals. To learn more, click here.
Preferred Partner for Canada and the Caribbean
For customers in Canada and the Caribbean, we recommend Payroc. Payroc is a people-first global payment processing company. We partner with the best in the industry to ensure our customers get smart and seamless custom business solutions. MicroBiz supports integrated EMV compliant integrated payments with Chosen Payments using Dejavoo terminals. To learn more, click here.
Supported EMV Terminals
MicroBiz Cloud supports the following payment terminals for semi-integrated EMV processing:
Full Size In-Store
Ingenico Lane 5000
Multilane terminal with optional stand. The Ingenico Lane 5000 supports magnetic stripe, EMV chip and contactless payments. Features a built-in 3.5” backlit color touch display that can be used for finger and stylus signature capture. Also includes 15 key raised pin pad, magnetic stripe reader and chip card reader. Wired and wireless connections (ethernet, WiFi and Bluetooth). PCI PTS v5.x Certified.
Compatible with: WorldPay, Gearfire, Chosen
Ingenico Lane 3000
Compact terminal with optional stand. The Ingenico Lane 3000 supports magnetic stripe, EMV chip and contactless payments. Features a built-in 2.8” backlit non-touch color display. Also includes 15 key raised pin pad, magnetic stripe reader and chip card reader. Wired and wireless connections (ethernet, WiFi and Bluetooth). PCI PTS v5.x Certified.
Compatible with: WorldPay, Gearfire, Payroc
Ingenico Line 2500
Pocket-sized, light weight and sleek, the Link/2500 is the perfect for mobile payments. Features a bright 2.4’’ color display and a USB-C connector. Optimized battery for a long business days (up to 1200mAh). Connects to laptops and tablets via WiFi or Bluetooth connections. Supports magnetic stripe, EMV chip and contactless payments (NFC/Contactless, Apple Pay and Samsung Pay). PCI PTS v5.x Certified.
Compatible with: WorldPay, Gearfire, Payroc
Value Added Payment Services
- Credit Card Surcharge – The Credit Card Surcharge features adds an additional fee to a customer’s register payment transaction when a credit card is used for payment. The charge will be excluded from all other payment types (cash, check, debit, etc.). Note: This feature is expected to be made available in Q2 2023.
- Card on File/Card Vault – Card on file payments method allows retailers to charge a customer’s card that is securely stored behind the firewall of the customer’s payment processor. This allows you to charge the customer’s credit card without the customer being present in your store. Note: This feature is expected to be made available in Q2 2023.
- Tipping at the Register – Your customers can enter a tip amount using the the touchscreen on the payment terminal. The transaction amount is adjusted and the amount including the tip is printed on the receipt. Note: This feature is expected to be made available in Q2 2023. Requires Lane 5000 terminal.
For more information on value added payment services, click here.
Non-Integrated Payment Options
If you do not need integrated payments, you can use MicroBiz Cloud on a non-integrated basis with any payment processor of your choice. Simply purchase a stand-alone terminal and enter the tender amounts manually into the terminal.
Q. What are the fees for credit card processing?
A. MicroBiz is not a credit card processor, so any fees and rates will be part of the discussion with the credit card processor that you decide to use with MicroBiz. The processors above use a third party payment gateway to connect with MicroBiz Cloud, so your processor may bill you for these gateway costs as an addition charge in your monthly processing statement, or your processor may include the gateway costs in your overall processing fees. Please clarify this directly with your processor.
Q. How much do the payment terminals cost?
A. Payment terminals must be purchased from one of our payment processing partners – as the terminals are encrypted by the processor. The cost of the payment terminal will depend on the payment terminal model purchased as well as your processing plan.
Q. Does MicroBiz share any Personal Identifiable Information (PII) with its processing partners?
A. MicroBiz does not send or exchange PII (Personal Identifiable Information) of a merchant’s customers with its processing partners. The communications with processing partners during a semi-integrated payment card transaction is generally limited the transaction amount and a prompt message sent to the payment terminal and a secure ‘token’ containing the transaction authorization data captured back from the terminal. This token does not contain any customer PII data.
Q. What is ‘semi-integrated’ payment processing?
A. Semi-integration is a measure that ensures separation between payment information transmission and other systems, such as a POS software application. The key benefit of a semi-integrated configuration is that no sensitive card account data is sent from the payment terminal to the POS application. The merchant’s customer interacts solely with the terminal to make payment, and the terminal manages all communication between the terminal and the payment processor. As a result, the merchant does not need to touch the customer’s payment card. Once the transaction is processed using the payment terminal, only non-confidential receipt/authorization data is returned from the payment terminal to the POS application.
Q. Can I use my existing payment processing hardware?
A. EMV standards for integrated processing require a credit card terminal with a chip reader that is both: (1) certified with your payment processor, and (2) supported by your POS software provider. So unless you have a terminal supported by a processor above, you will likely need to buy a new EMV credit card terminal. Traditional credit card swipes are not EMV compliant, and are no longer supported by MicroBiz on a semi-integrated basis. Please contact MicroBiz Sales for more information.
Q. Is MicroBiz Cloud PCI compliant?
A. Using MicroBiz with semi-integrated payments will keep you out of scope of any PCI compliance requirements. All the communication containing sensitive card information is transmitted only between the secure payment terminal managed by the payment processor and the payment processor’s secure servers. These communications are not transmitted by or through the MicroBiz application. Payment card data is only captured and transmitted by the payment terminal that you purchase separately from your selected payment processor. No payment card information is ever read, transmitted or retained by MicroBiz. Therefore you will not be subject to expensive and time consuming PCI certifications because of the MicroBiz POS application.