Global Payments’ OpenEdge Processing Service

The October 1st payment processing EMV liability shift is approaching, and we are close to deploying our first integrated EMV-compliant payment processing solution.

Here are the details:

Payment Processor: Global Payment’s OpenEdge processing service (formerly known as XCharge).

Timing: We are waiting on Global Payments to commercially release the version of its OpenEdge gateway which supports EMV – version 8.1.1. OpenEdge has told us that this is in final testing, and is expected to be available in the next 7 to 14 days.

MicroBiz Version: In order to use OpenEdge for integrated EMV payments, you must be running MicroBiz for Windows version 15.5 or later. If you do not have version 15.5 installed you will need to upgrade your MicroBiz for Windows software. MicroBiz upgrades are free for MicroBiz users currently on a support plan. To purchase a support plan, please contact MicroBiz sales at (702) 749-5353 (option 1 for sales) or visit

Payment Terminal: MicroBiz will be supporting the Ingenico iPP320 and the Ingenico ISC 250 payment terminals. The Ingenico iPP320 is a smaller form factor payment terminal supporting EMV and NFC featuring a LCD screen and built in keypad. The Ingenico iSC Touch 250 terminal is mid-sized terminal supporting EMV and NFC featuring a built-in pin pad, color LCD screen that can be used for electronic signature capture as well as a customer facing display.

Next Steps: You should order your payment terminal as soon as possible, as there is currently a backlog given the looming deadline. You can purchase or lease these devices through OpenEdge. If you do not current process through Global Payments using OpenEdge or XCharge, you will need to open a merchant account through OpenEdge. Please contact OpenEdge at [email protected] When submitting a request to OpenEdge please indicate that you are a MicroBiz user and include your:
– Company Name
– Contact Name
– Address
– City, State, Zip
– Phone Number and Email.

Frequently Asked Questions

Will I be required to switch to EMV technology? Is it a federal law?
EMV is NOT a federal law. It is “liability shift” imposed by the credit card companies. After October 1st, 2015, merchants who do not have an EMV card terminal will become liable for counterfeit/stolen ‘smart’ or ‘chip’ cards that they accept in their store using a traditional magnetic strip reader instead of an EMV payment terminal. It is up to you to decide if the increase in liability risk is worth the cost of upgrading to EMV.

Will magnetic stripes stop working after October 1st?
No. Merchants without EMV terminals will still be able to process credit cards using magnetic stripes (with the increased fraud liability mentioned above). Also, if a non-EMV card (i.e. no chip) is presented at an EMV terminal, the card may be swiped as well. If an EMV card is presented at an EMV terminal, but the magnetic stripe is swiped, the terminal will most likely sense that it is an EMV card and prompt the user to insert the card into the EMV slot instead, so the chip can be read.

Does MicroBiz for Windows support integrated EMV payments with other payment processors? 
Not at the current time. OpenEdge is the only EMV compliant integrated payment processing service supported at the current time for MicroBiz for Windows. We are working on integrating with a different payment gateway provider to allow additional EMV processing connections, but this will not be available by the October 1st deadline. We plan to announce additional EMV compliant processor/terminal solutions as they become available in the future.

Does MicroBiz provide the terminals?
MicroBiz does not sell the terminals directly. You must contact OpenEdge directly to purchase the supported payment terminals. Terminals must be encrypted with the security algorithm of OpenEdge, so we do not recommend purchasing unencrypted terminals elsewhere. Terminals without the OpenEdge encryption will not work on an integrated basis with MicroBiz.

What are the details on the OpenEdge offering?

Processors available OpenEdge, a division of Global Payments
Card processing fees Negotiated with OpenEdge
Software to install? Yes, EdgeLink gateway software provided at no cost to you
Terminal connection USB port on computer
Supports EMV (chip card processing)? Yes
Non-EMV option available? Yes, you can use non-EMV terminals (but have exposure to the increased fraud liability)
Manually enter card numbers through software? Yes, through the EdgeLink software
Manually enter card numbers on terminal? Yes
Supports terminal signature capture? Signature capture only supported by the iSC250 terminal.
Supports NFC Payments ? Yes, both terminals accept NFC-based payments (ApplePay, Google Wallet).
Terminal rental available? OpenEdge offers leasing options on both terminals. The lease cost of the Ingenico iPP320 is $9.99 per month and the lease cost of the Ingenico iSC250 is $18.99 per month.* OpenEdge requires a 3 year term consistent with the Global Merchant Processing agreement if you choose the rental option.
Can the terminal device be used a customer/pole display? Customer facing display showing name and prices of items being rung up is only supported by the iSC250 terminal.
Terminal outright purchase available? Yes, current pricing through OpenEdge is about $250 for the Ingenico iPP320 and about $500 for the Ingenico iSC250* per terminal
Ongoing monthly gateway or terminal service fee? No (other than terminal rental cost if rented)
Can a single terminal be shared by more than one computer? No, each POS station needs its own payment terminal.
Turnaround time to get terminals Contact OpenEdge for availability. Currently there is a backlog.
*For most customers. Actual prices negotiated with OpenEdge.

What if I currently have integrated payments with MicroBiz using the BridgePay gateway and a different processor, such as WorldPay? 
You can continue to use the BridgePay gateway with your current processor and card swipes. They will continue to operate after October 1st without any service interruption. However, transactions processed through BridgePay using a traditional credit card swipe will NOT be EMV compliant, so you may be exposed to the liability shift highlighted above.

A few months ago we learned the BridgePay was going to be unable to be certified for EMV with many of the processors used by our customers, such as Global, WorldPay, Heartland and TSYS, by the October 1st deadline. Given these development delays at BridgePay,we needed to look elsewhere for a solution that would be in place by the October 1st deadline, and decided to go with a direct integration with Global Payments’ OpenEdge platform. We realize that this will be an inconvenience and create some issues for our customers using BridgePay to connect with other processors, but felt that it was more important to be in a position to have something in place by the October 1st deadline.

As noted above, we are working on a middleware to replace BridgePay to allow our customers to connect with other processors on an integrated basis. We we plan to announce additional EMV compliant processor/terminal solutions as they become available in the future.

Other Questions? Please call MicroBiz sales at (702) 749-5353 (option 1 for sales) or email [email protected]