Stay Safe and Save Money with Integrated EMV-Compliant Payments

With semi-integrated payment processing, you simply swipe a credit card and MicroBiz sends all required data to the credit card processor and receives a non-sensitive confirmation code which is matched and stored with the POS transaction. This improves check-out times, cuts down on key entry errors and save time reconciling your credit card statements to your POS transactions.

Ways that integrated payments can improve your business

Speed-up reconciliation of batch info

Reduce time spent reconciling register batches with deposits

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Reduce data entry errors and fraud

Eliminate data entry error from manually entering transaction data into a payment terminal

Streamline checkout process

Allow customers to pay directly through the terminal without your employees handling their cards

Bill credit cards kept on file

Coming soon.  Store customer credit cards securely on file for billing of recurring charges and credit accounts

Contactless Mobile NFC Payments

MicroBiz Cloud supports contactless near field communications (NFC) payments through its supported EMV payment processors and terminals. This means that your customers will be able to wave their mobile smart phone above an EMV terminal in your store to pay for things – with the payment treated in MicroBiz like any other card transaction. Supported NFC payment methods include Apple Pay, Android Pay and Samsung Pay.

Support of  EMV Chip Smart Cards

MicroBiz Cloud supports point-to-point encrypted semi-integrated EMV card processing. This keeps you out of scope of the PCI requirements as you system never touches or stores sensitive card data. EMV compliant payments are possible only through our supported card processor partners and the credit card terminals certified with these processors.  For more detail on semi-integrated processing options available on MicroBiz Cloud, click here

Point-to-Point Card Data Encryption

Our processing partners use secure credit card readers which encrypt sensitive card information when the card is swiped or inserted into the credit card terminal. This is also known as ‘point-to-point encryption.’ This encrypted data is transmitted directly to the processor by the terminal, so your MicroBiz POS system never touches or retains sensitive unencrypted card data. You are kept out of PCI scope and are not exposed to the risks of retaining card data on your POS system.

PCI/PA-DSS Compliant

Our payment processor partners are all listed on the Security Standards Council’s list of PA-DSS validated products. So, using semi-integrated payments with MicroBiz Cloud results in no local storage of cardholder data at the merchant level. This protects you against compliance liability associated with potential data breaches.

FAQs

Q. Am I required to use MicroBiz’s payment processing service?

A. We do not require you to purchase payment processing through MicroBiz or require you to use a certain processor. You have the ability to use any one of the processing partners listed on our website.

Q. Do I need to purchase payment terminals from MicroBiz?

A. No, we can refer you to a payment partner, but you would obtain credit card terminals and negotiate rates directly with our payment processing partners.

Q. Will MicroBiz integrate with my current payment processor?

A. We support integrations only with the payment processing partners listed on our website.   If your current processor is not listed as a partner of MicroBiz, integrated payments are not supported.

Q. Will my current credit card terminal work with MicroBiz Cloud?

A. Please discuss payment terminal options directly with your preferred MicroBiz payment processing partner.

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